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亚洲金融危机后韩国商业银行信贷转向与金融稳定关系研究

发布时间:2018-06-14 01:04  文章来源:笔耕文化传播

  本文选题:韩国 + 商业银行 ; 参考:《辽宁大学》2015年硕士论文


【摘要】:韩国是亚洲太平洋地区的重要经济体,其金融体系近30年来的迅速发展是有目共睹的。韩国银行体系在近20年间两次重大的金融危机中,呈现出截然不同的状态,具体表现为1997年亚洲金融危机时期的全面溃败与2008年全球性金融危机时期的成功应对,显示出韩国银行业不断地成长与成熟。在此过程中,韩国商业银行体系中的贷款部分呈现出显著的波动,具体表现为第一次向家庭部门倾斜,第二次向企业部门倾斜。本文将在总结和归纳前人关于商业银行贷款问题以及金融稳定的概念、金融稳定的重要性、金融稳定的影响因素和商业银行贷款业务与金融稳定问题的联系等一系列研究成果的基础上,通过对韩国经济发展沿革的研究,将近代以来韩国经济发展历程大致划分为三个阶段,并将其归因于三次经济冲击。这三次冲击分别为,1979年执政长达18年的朴正熙总统遇刺身亡对于韩国经济的冲击;1997年亚洲金融危机对于韩国经济的冲击以及2008年源于美国次贷危机导致的全球性金融危机对于韩国经济的冲击。将第二次和第三次经济冲击下韩国商业银行两次贷款流向转变的现象放在政治、经济、社会、文化等多维的时代背景下进行分析解读并根据分析的结论,将近十年贷款在家庭与企业方向余额的变化与金融稳定问题进行关联性研究,实证分析贷款流向的转变与金融稳定的潜在关系并对相应的结论进行必要的解释说明。本文的具体结构如下:在绪论部分,首先阐述了本文的研究背景和意义并对国内外相关研究成果进行综述。同时简要介绍本文的研究思路、研究方法及内容结构与本文的创新之处。第一章简要回顾韩国经济的发展历程及其特征,主要从国内生产总值、就业水平、通货膨胀率、银行贷款利率、对外贸易依存度等五个指标,对两次贷款流向发生的时代背景以及必要准备进行描述。第二章具体分析亚洲金融危机后韩国商业银行贷款流向转变及其成因,这一部分通过对商业银行贷款流向转变进行多角度的分析以说明银行贷款在家庭和企业之间此消彼长的原因。第三章分析商业银行贷款流向转变对韩国金融稳定的影响。首先,从理论层面分析商业银行贷款流向转变与金融稳定之间的关系,其次,从定性的角度探讨商业银行贷款对韩国金融稳定的影响。再次,对两者的关系进行计量分析。最后,探讨商业银行贷款流向可能带来的其它影响。第四章是结论与研究展望。展示本文研究的结论并提出可能的解决方案以及未来研究的发展方向。
[Abstract]:South Korea is an important economy in Asia and the Pacific, and the rapid development of its financial system in the past 30 years is obvious to all. In the past 20 years, the Korean banking system has presented a very different state of affairs in two major financial crises, namely, the overall collapse during the Asian financial crisis in 1997 and the successful response to the global financial crisis in 2008. Shows that the Korean banking industry continues to grow and mature. In this process, the loan part of the Korean commercial banking system shows significant fluctuations, which is shown as the first tilt to the household sector and the second to the enterprise sector. This paper will summarize and summarize the previous concepts of commercial bank loan and financial stability, the importance of financial stability, On the basis of a series of research results, such as the influence factors of financial stability and the relationship between commercial bank loan business and financial stability, through the research on the history of Korean economic development, The process of economic development in South Korea since modern times is divided into three stages and attributed to three economic shocks. The three shocks were: the assassination of President Park Chung-hee, who took office for 18 years in 1979, the impact of the Asian financial crisis on the Korean economy in 1997 and the global impact caused by the subprime mortgage crisis in the United States in 2008. The impact of the financial crisis on the Korean economy. Under the second and third economic shocks, the phenomenon of the two loan flows of the Korean Commercial Bank is analyzed and interpreted under the multi-dimensional background of politics, economy, society, culture and so on, and according to the conclusion of the analysis, In the past ten years, the relationship between the change of the balance of households and enterprises and the problem of financial stability is studied, and the potential relationship between the change of loan flow and financial stability is empirically analyzed, and the necessary explanation is given to the corresponding conclusions. The specific structure of this paper is as follows: in the introduction part, the research background and significance of this paper are described and the related research results at home and abroad are summarized. At the same time, this paper briefly introduces the research ideas, research methods, content structure and the innovation of this paper. The first chapter briefly reviews the history and characteristics of the Korean economy, mainly from the GDP, employment level, inflation rate, bank loan interest rate, foreign trade dependence, etc. Describe the background and necessary preparation of the two loan flows. The second chapter analyzes the transformation of Korean commercial bank loan flow and its causes after the Asian financial crisis. This part through the commercial bank loan direction transformation carries on the multi-angle analysis to explain the bank loan between the household and the enterprise growth and decline reason. The third chapter analyzes the impact of the change of commercial bank loan flow on Korean financial stability. First of all, it analyzes the relationship between the change of commercial bank loan flow and financial stability from the theoretical level, and then discusses the impact of commercial bank loan on Korean financial stability from a qualitative point of view. Again, the relationship between the two quantitative analysis. Finally, the paper discusses other possible impact of commercial bank loan flow. The fourth chapter is the conclusion and research prospect. The conclusions of this paper are presented and the possible solutions and future research directions are proposed.
【学位授予单位】:辽宁大学
【学位级别】:硕士
【学位授予年份】:2015
【分类号】:F833.126

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