融资模式对商业银行风险的影响:一个文献综述

摘要

With the fast development of financial disintermediation,the funding model of commercial bank has changed.The percentage of retail deposit in funding model decreases,the percentage of non-deposit funding keeps up increasing.Commercial bank relys more and more on the wholesale funding which is supported by the innovation in the financial market.This paper makes a review on the funding model of commercial bank,its impacts on the risk of com-mercial bank,and related methods and outcomes of empirical study,in hope to lay a foundation and reference for the further study on the change of Chinese commercial bank funding model and its impacts on banking risk.%次贷危机前,随着金融脱媒的快速发展,西方国家商业银行的融资模式已经发生变化,零售存款的比重逐渐下降,非存款融资占比不断提高,商业银行越来越倾向于以货币市场和资本市场金融创新为支撑的短期批发融资.本文对商业银行融资模式及其对银行风险影响的文献进行梳理,厘清商业银行融资模式的内涵和分类,分析融资模式对银行风险影响的机理,综述现有实证研究的不同研究方法和结论,以期对我国商业银行融资模式变化及对银行风险的影响提供参考.