發(fā)布時(shí)間：2018-02-15 15:08

  本文關(guān)鍵詞： 商業(yè)銀行 融資 影響 對(duì)策　出處：《深圳大學(xué)》2017年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：商業(yè)銀行債務(wù)融資主要包括表內(nèi)業(yè)務(wù)中的債務(wù)融資與表外業(yè)務(wù)中的債務(wù)融資。表內(nèi)業(yè)務(wù)指的是可以在資產(chǎn)負(fù)債表上表現(xiàn)出來(lái)的經(jīng)營(yíng)活動(dòng),表內(nèi)業(yè)務(wù)中的債務(wù)融資指的是資產(chǎn)負(fù)債表內(nèi)的負(fù)債業(yè)務(wù),因?yàn)槲覈?guó)商業(yè)銀行吸收存款占總負(fù)債的比例較高,大多在50%至80%之間,所以對(duì)商業(yè)銀行表內(nèi)業(yè)務(wù)中債務(wù)融資的研究,主要表現(xiàn)在對(duì)吸收存款的研究上。表外業(yè)務(wù)指的是不計(jì)入銀行資產(chǎn)負(fù)債表內(nèi),不會(huì)對(duì)總資產(chǎn)、總負(fù)債造成任何影響,但會(huì)影響當(dāng)期損益的經(jīng)營(yíng)活動(dòng)。表外業(yè)務(wù)有四個(gè)類(lèi)別:分別是承諾擔(dān)保類(lèi)、中介服務(wù)類(lèi)、代理投融資服務(wù)類(lèi)和其他類(lèi)別。其中可將承諾擔(dān)保類(lèi)分為承諾類(lèi)與擔(dān)保類(lèi)。中介服務(wù)指的是依據(jù)客戶(hù)的委托,商業(yè)銀行來(lái)提供相應(yīng)的中介服務(wù)而從中賺取一定手續(xù)費(fèi)的業(yè)務(wù),例如資金劃撥、貨幣的支付等業(yè)務(wù)。代理投融資服務(wù)類(lèi)指的是銀行按照客戶(hù)的委托,為其提供相應(yīng)的投融資服務(wù),主要是銀行理財(cái)產(chǎn)品。所以對(duì)商業(yè)銀行表外業(yè)務(wù)中債務(wù)融資的研究,主要體現(xiàn)在對(duì)銀行理財(cái)產(chǎn)品的研究上。即研究通貨膨脹對(duì)商業(yè)銀行債務(wù)融資結(jié)構(gòu)的影響,就是研究通貨膨脹對(duì)吸收存款與銀行理財(cái)產(chǎn)品的影響。本文以我國(guó)16家A股上市商業(yè)銀行2006-2015年的財(cái)務(wù)數(shù)據(jù)為樣本,對(duì)我國(guó)商業(yè)銀行表內(nèi)業(yè)務(wù)與表外業(yè)務(wù)中的債務(wù)融資現(xiàn)狀進(jìn)行分析。并實(shí)證研究了我國(guó)上市商業(yè)銀行債務(wù)融資行為與通貨膨脹之間的關(guān)系,先探究全樣本商業(yè)銀行債務(wù)融資行為與通貨膨脹之間的關(guān)系;再將樣本按照商業(yè)銀行的性質(zhì)進(jìn)行分類(lèi),分為國(guó)有商業(yè)銀行、股份制商業(yè)銀行以及城市商業(yè)銀行,比較分析了這三類(lèi)商業(yè)銀行債務(wù)融資行為與通貨膨脹之間關(guān)系的差異。實(shí)證結(jié)果表明當(dāng)通貨膨脹率提高時(shí),商業(yè)銀行表內(nèi)業(yè)務(wù)債務(wù)融資中吸收存款的增長(zhǎng)率會(huì)降低,而商業(yè)銀行表外業(yè)務(wù)債務(wù)融資中銀行理財(cái)產(chǎn)品的資金余額增長(zhǎng)率會(huì)提高。當(dāng)通貨膨脹率降低時(shí),商業(yè)銀行表內(nèi)業(yè)務(wù)債務(wù)融資中吸收存款的增長(zhǎng)率會(huì)提高,而商業(yè)銀行表外業(yè)務(wù)債務(wù)融資中銀行理財(cái)產(chǎn)品的資金余額增長(zhǎng)率會(huì)降低。即通貨膨脹對(duì)商業(yè)銀行表內(nèi)業(yè)務(wù)中的債務(wù)融資與表外業(yè)務(wù)中的債務(wù)融資有聯(lián)動(dòng)的影響作用,且無(wú)論是表內(nèi)業(yè)務(wù)債務(wù)融資還是表外業(yè)務(wù)債務(wù)融資方面,城市商業(yè)銀行與股份制商業(yè)銀行受到的影響都比國(guó)有商業(yè)銀行受到的影響大。
[Abstract]:Debt financing of commercial banks mainly includes debt financing in intra-balance-sheet business and debt financing in off-balance-sheet business. The debt financing in the balance sheet business refers to the debt business in the balance sheet. Because the proportion of deposits absorbed by commercial banks in the total liabilities is relatively high in China, most of them are between 50% and 80%, so the research on debt financing in the balance sheet business of commercial banks. This is mainly manifested in the study of deposit-taking. Off-balance sheet business means that it is not included in the bank's balance sheet and will not have any impact on the total assets and liabilities. There are four categories of off-balance sheet business: commitment guarantee, intermediary service, etc. The category of agency investment and financing services and other categories. Among them, the category of commitment guarantee can be divided into commitment class and guarantee class. Intermediary service refers to the business from which commercial banks provide corresponding intermediary services and earn certain handling fees on the basis of clients' entrustment. For example, fund transfer, payment of money, and so on. The category of agency investment and financing services refers to the bank providing corresponding investment and financing services to the clients according to their entrustment. It is mainly banking financial products. Therefore, the research on debt financing in off-balance sheet business of commercial banks is mainly reflected in the study of bank financial products. That is, to study the impact of inflation on the debt financing structure of commercial banks. This paper takes the financial data of 16 A-share listed commercial banks in China from 2006 to 2015 as a sample. This paper analyzes the current situation of debt financing in the internal and external business of commercial banks in China, and empirically studies the relationship between debt financing behavior and inflation of listed commercial banks in China. This paper first explores the relationship between debt financing behavior and inflation of commercial banks, and then classifies the samples into state-owned commercial banks, joint-stock commercial banks and urban commercial banks according to the nature of commercial banks. The difference between debt financing behavior and inflation of these three types of commercial banks is compared and analyzed. The empirical results show that when inflation rate increases, the growth rate of deposits in the debt financing of commercial banks will decrease. The growth rate of the balance of funds of bank financial products in off-balance-sheet debt financing of commercial banks will increase. When the inflation rate decreases, the growth rate of deposits in the financing of commercial banks' off-balance-sheet debts will increase. However, the growth rate of bank financial products will decrease in off-balance-sheet debt financing of commercial banks. That is, inflation has a linkage effect on debt financing in off-balance sheet and off-balance-sheet financing of commercial banks. In terms of both intra-balance sheet debt financing and off-balance-sheet debt financing, both urban commercial banks and joint-stock commercial banks are affected more than state-owned commercial banks.
【學(xué)位授予單位】：深圳大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F822.5;F832.33;F830.42

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