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后危机时代中国商业银行资本结构分析

发布时间:2018-12-20 08:25
【摘要】:在经历了美国次贷危机以后,我国对经济发展提出了更加严格的要求,在2008年末,为了应对次贷危机对我国经济的影响,我国采取了一系列的措施,从稳健的财政政策转向了积极的财政政策,从从紧的货币政策转向了适度宽松的货币政策,为了刺激经济的复苏,我国政府还采取了经济刺激计划,连续出台了4万亿政府投资计划。在经济危机后的第二年,2010年我国商业银行的信贷规模过度加大,我国出现“天量”放贷,这一现象使银监会对我国银行业的监管提出了严格的监管要求,根据第三版巴塞尔协议中的指导意见,并且针对我国商业银行的具体情况,,颁布了一系列的政策法规,逐渐使我国的监管标准与世界监管标准接轨,针对资本充足率,提出在正常条件下,非系统重要性银行和系统重要性银行的资本充足率不得低于10.5%和11.5%,在此标准的基础上,还相继提出了我国商业银行资本充足率的长期发展目标。伴随着我国商业银行的信贷规模的逐步扩张,我国商业银行的资本补充机制也在不断进行,资本补充主要通过可转换债券、定向增发、配股、混合债券等,这种资本补充方法,不仅表明我国的商业银行不仅需要逐步完善我国商业银行的资本规划,而且我国商业银行自身也要不断提高自身的资本管理水平,我国监管机构也要不断提升自身的监管意识。这篇文章我们尝试从资本结构影响因素的角度去分析如何改善我国商业银行的资本结构现状,政府如何加强资本约束,商业银行如何提升自身的监管水平。文章通过多家商业银行的数据逐步分析影响商业银行资本结构的因素,从中得出商业银行的规模、商业银行的成长性、商业银行的盈利水平、利率以及通货膨胀率等对资本结构的影响。从中得出银行自身的治理结构以及商业银行自身的资本结构合理性对商业银行的重要性。对银行而言,融资决策和经营决策息息相关,其资本结构决策的制定过程不能撇开经营战略,同时必须考虑行业的特殊性,本文的研究为商业银行的资本决策提供了一定的依据。
[Abstract]:After going through the subprime mortgage crisis in the United States, China has put forward more stringent requirements for economic development. At the end of 2008, in order to cope with the impact of the subprime mortgage crisis on our economy, China has taken a series of measures. From a prudent fiscal policy to a positive fiscal policy, from a tight monetary policy to a moderately loose monetary policy, in order to stimulate the recovery of the economy, the Chinese government also adopted an economic stimulus plan. Four trillion government investment plans were introduced in a row. In the second year after the economic crisis, the credit scale of commercial banks in our country increased excessively in 2010, and the "sky quantity" lending appeared in our country. This phenomenon made the CBRC put forward strict supervision requirements to the banking supervision of our country. According to the guidance of the third edition of the Basel Accord, and according to the specific situation of commercial banks in China, has promulgated a series of policies and regulations, gradually make our regulatory standards and the world regulatory standards in line with the capital adequacy ratio, Proposing that, under normal conditions, the capital adequacy ratios of non-systemically important banks and systemically important banks should not be lower than 10.5 per cent and 11.55.Based on this criterion, Also has proposed our country commercial bank capital adequacy ratio the long-term development goal one after another. With the gradual expansion of the credit scale of commercial banks in China, the capital replenishment mechanism of commercial banks in our country is also ongoing. Capital replenishment is mainly through convertible bonds, directional additional issuance, rights issue, mixed bonds, and so on. It not only shows that China's commercial banks need to improve their capital planning step by step, but also our country's commercial banks should improve their own capital management level, and our country's regulatory bodies should constantly improve their own supervision consciousness. In this article, we try to analyze how to improve the present situation of capital structure of commercial banks, how to strengthen capital constraints, and how to improve the supervision level of commercial banks from the perspective of influencing factors of capital structure. Based on the data of many commercial banks, the paper analyzes the factors that influence the capital structure of commercial banks, and draws the conclusion that the scale of commercial banks, the growth of commercial banks, the profitability of commercial banks, and so on. The influence of interest rate and inflation rate on capital structure. From the conclusion, the governance structure of the bank itself and the rationality of the capital structure of the commercial bank are important to the commercial bank. For banks, financing decisions are closely related to business decisions, and the process of making decisions on capital structure should not be separated from the management strategy, and the particularity of the industry must be taken into account at the same time. The research in this paper provides a certain basis for the capital decision of commercial banks.
【学位授予单位】:辽宁大学
【学位级别】:硕士
【学位授予年份】:2014
【分类号】:F832.33

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