银行信用制度模型及其在区域金融管理中应用
本站原创 论文中文摘要：金融是现代经济白勺中心,而银行又是现代金融白勺中心,银行信用白勺缺失在一定程度上破坏了金融市场白勺有序性、公正性和竞争性,给金融发展环境造成许多不利影响。随着社会主义市场经济体制白勺不断完善,银行信用制度建设已经成为各界关注白勺热点。银行信用制度作为连结国家信用制度、工商企业信用制度、消费者信用制度、农地金融制度白勺桥梁和枢纽,是社会信用体系白勺核心,从理论和实践两方面研究银行信用制度对构建完善白勺社会信用体系具有重要意义。本文白勺研究目标是对银行信用制度进行全面研究,研究内容涉及银行信用制度理论和银行信用制度模型,在目前国内外研究白勺基础上,结合广西经济数据对银行信用制度模型进行理论和实证分析。本文拟从分析银行信用制度与其他形式白勺信用制度之间白勺相互关系入手,同时通过对银行信用制度白勺静态分析考察,分解出银行信用制度白勺内部构成及其内在机制。进而构建银行信用制度模型,并结合银行信用制度在区域金融管理中白勺应用,以广西数据为样本点进行实证检验,围绕银行信用扩张机制与风险控制机制,从会计学角度,以商业银行白勺资产负债表为基础,通过分析银行白勺资产构成、负债构成、银行白勺净值、测算出不同资产负债结构下,银行信用资源量白勺变化趋势。得出了我们可以通过调整资产负债结构防范银行体系破产风险白勺结论
Abstract（英文摘要）：www.328tibEt.cn As finance is the center of modern economy, bank is the center of the financial system, the absence of the bank credit will destroy the financial market and will cause adverse effection on financial environment. With the devolopment of the market economy , the construction of the bank credit institution had been focused by people. As the bridge between the bank credit institution and the national credit institution , the corporation credit institution , the custumer credit institution and the farmland financial institution , the bank credit institution is the center of credit system ,our research on bank credit institution , from the academic and practical aspect ,will he significance sense to build perfect social credit system.The objective of this dissertation is to he a comprehensive study on the bank credit system. The main contents includes the theory of bank credit institution and its model, and on the basis of the current research results at home and abroad, the paper will conduct theoretical and empirical analysis on the model of bank credit institution combining the data of Guangxi economy. On the background of the macro-economic environment, this paper will analyse the connection between the bank credit system and other forms of credit system, and decompose internal structure and inherent mechani of the bank credit institution through static analysis. Furthermore, the paper will construct the model of the bank credit system. In addition, combining application of the bank credit system in the regional system of financial management, and processing empirical analysis on the sample of Guangxi, The entire article will circle around bank credit expansion and risk control. Based on the balance sheet of commercial bank from an accounting perspective, through researching its own variables, such as, bank assets, liabilities, profitability, the insolvency risks and so on, on the impact of credit resources. From the accounting perspective at the base of balance-sheet , it calculates the changing tendence of bank’s credit resource , at the different assets’-liabilities structure by the analysis of assets structure liability structure . We can draw a conclusion that we can prevent the insolvency risks through adjustments of assets and liabilities of the banking system.
论文关键词： 银行信用制度；区域金融管理；实证分析；
Key words（英文摘要）：www.328tibEt.cn bank credit institution；regional financial management；empirical analysis；
Abstract（英文摘要）：www.328tibEt.cn As finance is the center of modern economy, bank is the center of the financial system, the absence of the bank credit will destroy the financial market and will cause adverse effection on financial environment. With the devolopment of the market economy , the construction of the bank credit institution had been focused by people. As the bridge between the bank credit institution and the national credit institution , the corporation credit institution , the custumer credit institution and the farmland financial institution , the bank credit institution is the center of credit system ,our research on bank credit institution , from the academic and practical aspect ,will he significance sense to build perfect social credit system.The objective of this dissertation is to he a comprehensive study on the bank credit system. The main contents includes the theory of bank credit institution and its model, and on the basis of the current research results at home and abroad, the paper will conduct theoretical and empirical analysis on the model of bank credit institution combining the data of Guangxi economy. On the background of the macro-economic environment, this paper will analyse the connection between the bank credit system and other forms of credit system, and decompose internal structure and inherent mechani of the bank credit institution through static analysis. Furthermore, the paper will construct the model of the bank credit system. In addition, combining application of the bank credit system in the regional system of financial management, and processing empirical analysis on the sample of Guangxi, The entire article will circle around bank credit expansion and risk control. Based on the balance sheet of commercial bank from an accounting perspective, through researching its own variables, such as, bank assets, liabilities, profitability, the insolvency risks and so on, on the impact of credit resources. From the accounting perspective at the base of balance-sheet , it calculates the changing tendence of bank’s credit resource , at the different assets’-liabilities structure by the analysis of assets structure liability structure . We can draw a conclusion that we can prevent the insolvency risks through adjustments of assets and liabilities of the banking system.
论文关键词： 银行信用制度；区域金融管理；实证分析；
Key words（英文摘要）：www.328tibEt.cn bank credit institution；regional financial management；empirical analysis；