我國商業銀行資本結構研究

金融論文編號:JR061   本份論文包括開題報告,畢業實習報告,任務書，外文翻譯，論文字數:28045,頁數:42

目　　錄
摘    要 ........................................................I
Abstract ........................................................II
1 緒    論 ......................................................1
1.1研究背景..................................................... 1
1.2研究目的和意義 ...............................................1
1.2.1  研究目的 .................................................1
1.2.2  研究意義 .................................................2
1.3國內外研究現狀 ...............................................3
1.3.1  國外研究現狀 .............................................3
1.3.2  國內研究現狀............................................. 4
1.4研究的內容與方法 .............................................5
1.4.1  研究內容 .................................................5
1.4.2  研究方法................................................. 5
2 理論基礎 ......................................................6
2.1商業銀行資本的含義 ...........................................6
2.2商業銀行資本的構成 ...........................................6
2.3商業銀行資本結構的相關理論 ...................................7
2.3.1  MM理論 ...................................................7
2.3.2  巴塞爾資本協議........................................... 8
2.3.3  經濟資本理論............................................. 9
2.4商業銀行資本結構的理論模型 ...................................10
3 我國商業銀行資本結構分析 ......................................11
3.1影響我國商業銀行資本結構的因素 ...............................11
3.1.1  銀行規模 .................................................11
3.1.2  銀行安全網............................................... 11
3.1.3  獲利能力 .................................................12
3.1.4  銀行所有者及經營者的態度................................. 12
3.1.5  債權人和信用等級評定機構的態度 ...........................13
3.1.6  經濟周期與通貨膨脹 .......................................13
3.2  我國商業銀行資本結構現狀 ...................................14
3.2.1  核心資本結構現狀分析 .....................................14
3.2.2  附屬資本結構現狀分析 .....................................16
3.3國內外商業銀行資本結構對比分析 ...............................17
3.3.1  美國商業銀行資本結構 .....................................17
3.3.2  日本商業銀行資本結構..................................... 18
3.3.3  韓國商業銀行資本結構 .....................................18
3.4國外商業銀行資本結構經驗對我國的啟示 .........................19
3.4.1  歐美商業銀行的啟示 .......................................19
3.4.2  日本商業銀行的啟示 .......................................20
3.4.3  韓國商業銀行的啟示 .......................................20
4  我國商業銀行資本結構存在的問題 ...............................21
4.1股權結構集中 .................................................21
4.2附屬資本缺乏................................................. 22
4.2.1  呆賬準備金計提不足....................................... 22
4.2.2  附屬資本補充渠道過于狹窄 .................................23
4.2.3  銀行融資受限制 ...........................................24
4.3不良資產率高，資本充足率低 ...................................24
4.4資本補充機制的欠缺 ...........................................25
5 我國商業銀行資本結構優化的對策................................ 27
5.1降低風險資產 .................................................27
5.1.1  調整風險分布結構 .........................................27
5.1.2  降低不良資產率 ...........................................27
5.2提高核心資本................................................. 28
5.3增加附屬資本................................................. 29
5.3.1  發行次級定期債券 .........................................29
5.3.2  增提普通呆賬準備金和專項呆賬準備金 .......................29
5.4優化融資結構 .................................................30
結    論 ........................................................32
參考文獻 ........................................................33
致    謝 ........................................................34
附  錄1 .........................................................35

摘    要
      隨著我國加入WTO和金融業對外開放的進行，盡快建立現代商業銀行制度，提升我國商業銀行的競爭力是我們當前面臨的重要任務。這就要求我國商業銀行不斷提高自身的市場競爭力，不斷完善治理結構、優化資本結構，以應對市場競爭和外資銀行進入的強大沖擊。
首先以企業資本結構理論為指導，并結合商業銀行資本結構的行業特性對銀行業資本結構特征作了一般性分析，對我國商業銀行資本結構的現狀以及商業銀行資本結構的影響因素進行了具體分析。綜合以上分析，從優化銀行自身資本結構和優化銀行外部環境兩個方面提出優化我國商業銀行資本結構的具體對策。

關鍵詞：商業銀行；資本結構；影響因素

Abstract
       With China’s rejoining WTO and the financial sectors open up further to the outside world , it has been one of our important task to establish a modern commercial bank system and build up banks’ competence of our country. It requires that commercial banks should promote their market competence, improve corporation governance, and optimize capital structure to embrace the challenges of market competition and foreign banks. The capital structure of commercial banks has both the fundamental characters of common company and the special characters of its own.
Under the guidance of the capital structure theory, considering the special characters of commercial banks, the paper first commonly analyzes the characters of banking capital structure. Then will analyzes the present situation of China’s commercial banks’ capital structure in detail. Last, with reference to the above analysis, puts forward the suggestions to optimize China’s commercial banks’ capital structure by two ways, namely capital structure in the bank and governance environment out of the bank.

Keywords：Chinese commercial banks; capital structure; influencing factors