上個世紀七十年代,美元與黃金脫鉤,布雷頓森林體系崩潰。從此,人類貨幣正式進入了信用貨幣制度時代。人類歷史上第一次出現了沒有任何一種主要貨幣與商品有任何聯系的現象,每一種貨幣都成了不兌現貨幣,貨幣所依賴的只是政府的權威或認可,這在增加國家對信用貨幣控制能力的同時,也增加了政府填補財政赤字的手段,并埋下了通貨膨脹的禍根。對于以信用貨幣為主要經營對象的商業銀行而言,不僅通貨膨脹對其生存和發展具有較大的影響,而且銀行自身的經營狀況也會對其信用貨幣經營效果產生重要影響。因此,分析以馬克思主義信用貨幣理論為指導的中國商業銀行信用貨幣運行風險問題,并提出相關的防控對策,不緊對中國的金融安全,而且對中國經濟的健康發展和全面建設小康社會都具有重要的現實意義。
本文主要分四部分:
第一部分:緒論。首先,分析了選題的背景和研究意義:1978 國際貨幣基金組織宣布各種匯價的價值不再是黃金,導致黃金的非貨幣化和紙幣時代的開始。
信用貨幣在增強國家貨幣控制能力的同時,也帶來了通貨膨脹的危險。因此,通過對商業銀行信用貨幣運行風險的研究可以促進商業銀行信用貨幣的穩健運行,減少乃至避免貨幣運行風險。其次,商業銀行信用貨幣運行風險研究概述,總結了商業銀行信用貨幣運行風險研究現狀并對當前研究現狀進行了評價。再次,介紹了選題的研究思路及寫作方法。最后,總結了本文的創新點與不足。
第二部分:馬克思的信用貨幣理論綜述。首先,分析了信用貨幣的涵義。信用貨幣的涵義包括信用貨幣的概念、信用貨幣的產生和信用貨幣的性質等三項內容。其次,闡述了馬克思的信用理論和貨幣理論的相關知識。最后,闡述了馬克思信用貨幣理論對中國貨幣發展的實踐指導意義。
第三部分:集中分析了商業銀行信用貨幣運行風險的現狀及問題。其中,商業銀行信用貨幣運行風險的現狀包括資產質量不高、市場化風險極大、匯率及其他金融衍生產品交易風險日益增大。商業銀行信用貨幣運行風險存在的問題主要有投資增長過猛、貸款難以回收和市場經濟環境的影響。
第四部分:探討了商業銀行信用貨幣運行風險的防控路徑。針對商業銀行信用貨幣運行風險的現狀及存在的問題,防控路徑主要包括以下幾個方面:提高商業銀行信用貨幣資產質量、加強商業銀行信用貨幣市場風險調控、適度放緩商業銀行信用貨幣投資增長速度、提高商業銀行信用貨幣貸款回收能力、加強商業銀行對貨幣政策的理解與應用能力、健全商業銀行信用貨幣風險管理運行機制等六個方面。
關鍵詞:
馬克思;信用貨幣理論;商業銀行;貨幣運行
Abstract
The seventy's last century, the dollar and gold decoupling, the collapse of theBretton Woods system. From then on, the human currency has entered into the era ofthe credit currency system. For the first time in human history, there is nophenomenon that there is no connection between any major currency and commodity,and every currency becomes a non cash currency. This increase in countries in thecurrency of credit control ability at the same time, also increased the government tofill the fiscal deficit, and sowed the seeds of inflation. As in the currency of credit asthe main object of business of commercial banks, not only inflation has a greaterimpact on the survival and development and the operation of the bank's own will exertan important influence on the monetary and credit management effect. Therefore, thestudy of commercial bank credit currency operation risk is not close to China'sfinancial security, but also has important practical significance to the healthydevelopment of China's economy and the building of a well-off society in an all-roundway.This paper is mainly divided into four parts:
The first part: introduction. First, analysis the background and significance ofresearch: after the 1971 collapse of the Bretton Woods filed, the human currencyofficially entered the era of credit monetary system. Credit currency in strengtheningnational monetary control at the same time, also brought the danger of inflation.
Therefore, through the research on the operation risk of commercial bank creditcurrency can promote the stable operation of commercial bank credit currency, reduceor even avoid monetary operation risk. Second, an overview of research onoperational risk of commercial bank credit money, summarizes the current situation ofresearch on operational risk of commercial bank credit money and the currentresearch status of evaluation. Again, introduces the research ideas and methods ofwriting topics. Last, summarizes the innovation points and deficiencies.
The second part: the overview of Marx's credit and currency theory. First,analyzes the meaning of credit money. The meaning of monetary credit, includingcredit currency concept, credit currency and credit the nature of money and otherthree items. Second, elaborates the related knowledge of Marx's credit and currencytheory. Finally, Marx elaborated Credit monetary theory practical significance for thedevelopment of China's currency.
The third part: Analysis focused on the current situation and problems ofcommercial bank credit money to run the risk. Among them, the new situation ofcommercial bank monetary operation risk including asset quality is not high, themarket risk, exchange rate and other financial derivatives trading risk increasing.
There runs the risk of commercial bank credit money problems are mainly affect theinvestment growth too fast, it is difficult to recover loans and the market economyenvironment.
The fourth part: Discussion on the prevention and control of commercial bankcredit money path running risks.In view of the present situation of and the problemsexisting in the commercial bank credit monetary operation risk, prevention andcontrol path mainly includes the following aspects: to improve the commercial bankcredit asset quality, strengthen commercial bank credit money market risk control,moderate slowdown in commercial bank credit monetary investment growth rate,improve commercial bank credit money loan recovery ability, strengthen the sixaspects of the commercial banks on monetary policy ability of comprehension andapplication, improve the commercial bank credit risk management operationmechanism etc.
Key words:
Marx;Credit monetary theory; commercial bank;money runs
目 錄
第 1 章 緒 論
1.1 選題背景和研究意義
1.1.1 選題背景
1.1.2 研究意義
1.2 國內外研究綜述
1.2.1 商業銀行信用貨幣運行研究綜述
1.2.2 對當前研究的評價
1.3 研究思路與研究方法
1.3.1 研究思路
1.3.2 研究方法
1.4 創新點與不足
1.4.1 創新點
1.4.2 不足
第 2 章 馬克思的信用貨幣理論綜述
2.1 信用貨幣內涵解讀
2.1.1 信用貨幣的概念
2.1.2 信用貨幣的特征
2.1.3 信用貨幣的本質
2.2 馬克思的信用理論
2.2.1 信用的概念界定
2.2.2 信用的形式
2.2.3 信用制度釋義
2.2.4 信用的雙重作用
2.3 馬克思的貨幣理論
2.3.1 貨幣的起源
2.3.2 貨幣的本質
2.3.3 貨幣的職能
2.3.4 貨幣流通規律
2.4 馬克思信用貨幣理論的實踐意義
2.4.1 有利于構建中國特色貨幣理論體系和社會信用制度
2.4.2 有利于當代銀行系統的健康穩定發展
2.4.3 有利于有效應對金融危機防范金融風險
第 3 章 商業銀行信用貨幣運行風險現狀評析
3.1 商業銀行信用貨幣運行風險的現狀
3.1.1 資產質量不高
3.1.2 市場化風險加大
3.1.3 匯率及其他金融衍生品交易風險日益增大
3.2 商業銀行信用貨幣運行風險面臨的問題
3.2.1 投資增長過快
3.2.2 貸款回收難加大
3.2.3 難以快速形成風險防控決策
第 4 章 商業銀行信用貨幣運行風險的防控路徑
4.1 提高商業銀行信用貨幣運行質量
4.1.1 提高商業銀行信用貨幣資產質量
4.1.2 加強商業銀行信用貨幣市場風險調控
4.2 增強商業銀行信用貨幣風險應對能力
4.2.1 適度放緩商業銀行信用貨幣投資增長速度
4.2.2 提高商業銀行信用貨幣貸款回收能力
4.2.3 加強商業銀行對貨幣政策的理解與應用能力
4.3 健全商業銀行信用貨幣風險管理運行機制
4.3.1 實行扁平化管理
4.3.2 健全商業銀行信貸渠道預警機制
結 論
參 考 文 獻
后 記