数字金融对商业银行风险承担的影响研究
摘 要
随在现代金融业中，由于数字化技术的不断运用，使得传统的融资方式已经不能适应现代经济发展的要求，于是就有了数字化的融资方式。数字化金融不但可以提升银行的金融服务品质和效能，推动普惠金融向纵深发展，而且可以减少贫富悬殊，维持社会公正。在“十四五”及2035年战略中，提出要构建适应性强、竞争性强、普惠性强的现代化金融体系，提高金融机构为实体经济提供服务的水平和体制。于此同时，中国人民银行在上海，海南，长沙，青岛，大连，西安等6个城市展开了全国范围内的“数字经济”的试验。因此，研究数字化融资对我国商业银行的风险负担效应，将有利于我国在多元监管下实现数字融资的健康发展，进而有效地预防和控制系统金融风险。
关键词：商业银行 风险承担 中介效应
Abstract
With the continuous application of digital technology in the modern financial industry, the traditional financing method can no longer meet the requirements of modern economic development, so there is a digital financing method. Digital finance can not only improve the quality and efficiency of financial services of banks, promote the in-depth development of inclusive finance, but also reduce the gap between rich and poor, and maintain social justice. In the "Fourteenth Five-Year Plan" and the 2035 strategy, it is proposed to build a modern financial system with strong adaptability, competitiveness and inclusiveness, and improve the level and system of financial institutions providing services to the real economy. At the same time, the People's Bank of China has launched nationwide "digital economy" experiments in six cities, including Shanghai, Hainan, Changsha, Qingdao, Dalian and Xi'an. Therefore, studying the risk burden effect of digital financing on China's commercial banks will help China realize the healthy development of digital financing under multiple supervision, and then effectively prevent and control systemic financial risks.
Key words: commercial bank Risk bearing Intermediary effect
目 录
摘要 I
Abstract II
1 前言 1
1.1 研究背景 1
1.2 研究意义 2
2 相关概念及理论基础 2
2.1 相关概念 2
2.2 发展现状 3
3 数字金融对银行风险承担案例分析 5
3.1 中国建设银行基本介绍 5
3.2 中国建设银行实施“三大战略” 5
3.3 “三大战略”对建行风险承担的影响 7
4 研究结论与政策建议 8
4.1 研究结论 8
4.2 商业银行应对策略 9
4.3 监管机构应对策略 10
5 结论 11
参考文献 12
致谢 13
摘 要
随在现代金融业中，由于数字化技术的不断运用，使得传统的融资方式已经不能适应现代经济发展的要求，于是就有了数字化的融资方式。数字化金融不但可以提升银行的金融服务品质和效能，推动普惠金融向纵深发展，而且可以减少贫富悬殊，维持社会公正。在“十四五”及2035年战略中，提出要构建适应性强、竞争性强、普惠性强的现代化金融体系，提高金融机构为实体经济提供服务的水平和体制。于此同时，中国人民银行在上海，海南，长沙，青岛，大连，西安等6个城市展开了全国范围内的“数字经济”的试验。因此，研究数字化融资对我国商业银行的风险负担效应，将有利于我国在多元监管下实现数字融资的健康发展，进而有效地预防和控制系统金融风险。
关键词：商业银行 风险承担 中介效应
Abstract
With the continuous application of digital technology in the modern financial industry, the traditional financing method can no longer meet the requirements of modern economic development, so there is a digital financing method. Digital finance can not only improve the quality and efficiency of financial services of banks, promote the in-depth development of inclusive finance, but also reduce the gap between rich and poor, and maintain social justice. In the "Fourteenth Five-Year Plan" and the 2035 strategy, it is proposed to build a modern financial system with strong adaptability, competitiveness and inclusiveness, and improve the level and system of financial institutions providing services to the real economy. At the same time, the People's Bank of China has launched nationwide "digital economy" experiments in six cities, including Shanghai, Hainan, Changsha, Qingdao, Dalian and Xi'an. Therefore, studying the risk burden effect of digital financing on China's commercial banks will help China realize the healthy development of digital financing under multiple supervision, and then effectively prevent and control systemic financial risks.
Key words: commercial bank Risk bearing Intermediary effect
目 录
摘要 I
Abstract II
1 前言 1
1.1 研究背景 1
1.2 研究意义 2
2 相关概念及理论基础 2
2.1 相关概念 2
2.2 发展现状 3
3 数字金融对银行风险承担案例分析 5
3.1 中国建设银行基本介绍 5
3.2 中国建设银行实施“三大战略” 5
3.3 “三大战略”对建行风险承担的影响 7
4 研究结论与政策建议 8
4.1 研究结论 8
4.2 商业银行应对策略 9
4.3 监管机构应对策略 10
5 结论 11
参考文献 12
致谢 13
