【作者】 王旭；

【导师】 李孟刚；

【作者基本信息】 北京交通大学 ， 产业经济学， 2013， 博士

【摘要】 银行危机的频发给世界各国带来了系统性的银行业安全问题。纵观银行业危机发生的特征,其固然与宏观经济形势相关,但不可否认的是银行体系本身的脆弱性无疑至关重要。随着后危机时代的到来,全球投资、贸易格局以及经济增长方式等都将发生重大变化,中国银行业在新的机遇面前必将迎来更多的挑战,维系安全成为我国银行业的一项长期使命。然而,现有的关于中国银行业整体产业安全性研究的文献相对不够丰富,大多将从外资进入的角度研究其对中国银行业安全相关的某一方面特征或要素的影响,而缺少系统地研究银行业安全影响因素、评价体系与产业预警体系建设的研究成果。一方面,银行业安全研究的理论视角有待进一步丰富。产业安全理论经历了几十年的研究,其发展日趋成熟,进一步丰富了产业经济学的理论框架,对实践也起着越来越重要的指导作用。另一方面,产业安全是一门理论与实践结合较为紧密的学科,具有较强的操作性,这就决定了对产业安全相关问题的研究不能仅仅停留在理论分析层面,更应深入到实践中捕捉相关的问题。在此背景形势下,本文以产业安全相关理论为支撑,试图深入分析中国银行产业安全现状及面临的主要问题,并寻求解决之道。为达到该研究目标,本文沿着以下思路进行了分析：首先,对现有的关于产业安全、银行业安全的相关文献进行仔细的阅读与整理,找出本文研究的切入点。在对中国银行业运行及安全现状分析的基础上,结合相关理论基础系统地分析中国银行业安全的影响因素及作用机理。其次,本文通过构建银行业安全综合评价指标体系,进一步对2001-2012年中国银行业产业安全度进行了实证分析,提出了银行业安全预警体系及量化风险评估标准。最后,结合理论分析和实证分析的结果,本文提出了提升我国银行业安全度的政策建议。从研究内容及科技查新的结果看,本文首次应用产业安全理论对我国银行业的产业安全问题进行了系统性研究,其创新点表现在以下方面：第一,本文在梳理国内外研究成果的基础上,创新性的界定了银行业安全的内涵,并选取中国银行业安全问题进行系统研究。银行业安全具体包含三层含义,即：安全的主体是我国的银行业；银行业安全包括生存安全和发展安全两个方面；产业安全度应通过综合评价指标体系进行度量。与以往的研究成果多局限于研究影响银行业安全的局部因素及应对问题相比,本文研究视野更为开阔和系统化。第二,本文在导入产业安全理论、金融中介理论的基础上,系统地阐述了影响中国银行产业安全的主要影响因素及其传导机制。同时,本文构建了一套银行产业安全评价体系并进行实证分析,弥补国内在此方面研究的不足。第三,针对后危机时代银行业安全监管的挑战,本文在国内外对比及趋势分析的基础上,建立银行产业安全预警模型,并在实证研究的基础上,构建了银行业安全风险评估量表,从而进一步完善了银行业风险的监控机制,并提出了切合我国实际的银行产业安全的维护策略。更多还原

【Abstract】 The frequency distribution of the banking crisis around the world brought a systemic banking security issues. Throughout the characteristics of the banking crisis, of course, associated with the macroeconomic situation, it is undeniable that the vulnerability of the banking system itself is undoubtedly important. With the advent of the post-crisis era, the global investment, trade patterns and economic growth mode and so on will be significant changes in China’s banking sector is bound to usher in more challenges in the face of new opportunities, to maintain security has become one of China’s banking industry long-term mission.However, the existing literature on the safety study of China’s banking industry as a whole is relatively rich enough, most of them from the point of view of foreign investment into the China Banking Security a feature or the impact of the elements, and the lack of systematic research Banking Security influencing factors, the evaluation system and the industry early warning system for the construction of research results. On the one hand, the theory of banking security research perspective to be further enriched. Industry security theory has experienced decades of research, and its development matures, further enriching the theoretical framework of industrial economics, and is also playing an increasingly important role in guiding practice. On the other hand, industrial safety is a theory and practice more closely disciplines, with a strong operability, which determines the industrial security related issues not just stop at the level of theoretical analysis; we should go deep into practice Capture-related issues. In this background situation, to support the theory of industrial security, the security status quo of China’s banking industry and the main problems facing attempts to in-depth analysis, and find a solution. In order to achieve the objectives of the study were analyzed along the following lines:First, carefully read and organize the existing literature on industrial security, banking security to identify the entry point of this study. On the basis of the analysis of the operation and safety of the status quo of China’s banking sector, combined with the theoretical basis of systematic analysis of the influencing factors and mechanism of the China Banking Security. Secondly, the comprehensive evaluation index system by constructing Banking Security,2001-2011China Banking industry safety empirical analysis, is banking security early warning system and quantitative risk assessment standards. Finally, the results of theoretical analysis and empirical analysis, this paper proposed policy recommendations to enhance the safety of China’s banking industry.Results from research and Novelty, This is the first application of industry security theory of China’s banking industry security issues systematic study on innovation in the following areas:First, combing research results at home and abroad on the basis of innovative defines the meaning of the Banking Security, and selects the China Banking Security System. Banking Security contains specific three meanings, namely:the main body of the safety of Banking; banking security, including the survival security and development safety; industrial safety should be measured through the comprehensive evaluation index system. Compared with the results of previous studies limited to the study of local factors affecting the safety of the banking sector and deal with the problem, more open perspective of this study and systematic.Second, the import of the theory of industrial safety, on the basis of the theory of financial intermediation, systematic exposition of the main factors affect the safety of the Chinese banking industry and its transmission mechanism. The same time, the paper constructs a set of banking industry safety evaluation system and empirical analysis to make up for the lack of domestic research in this regard.Third, to address the challenges of the post-crisis era banking safety supervision, this paper on the basis of domestic and international comparison and trend analysis, the establishment of the banking industry security early warning model, and built on the basis of empirical research, banking security risk assessment scale to further improve the monitoring mechanism of the banking risks, and maintenance strategies to meet the reality of our country’s banking industry security.更多还原