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    政大機構典藏 > 商學院 > 金融學系 > 學位論文 >  Item 140.119/81465


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    題名: 金融中介與貸放風險
    Financial Intermediation and Lending Risk
    作者: 李立璿
    貢獻者: 江永裕
    張興華
    李立璿
    關鍵詞: 金融中介
    銀行競爭
    Financial Intermediation
    Bank Competition
    日期: 2016
    上傳時間: 2016-03-01 10:28:56 (UTC+8)
    摘要: 隨著金融交易與經濟活動的不斷演變，以及資訊科技的更迭與普及，有別於傳統的、非實體型態的金融中介機構逐漸威脅過去如銀行、保險公司等傳統中介機構的功能與收益，故隨之而來討論新型態金融中介是否仍有助於經濟成長、如何影響金融中介發展等議題也漸漸升溫。有鑒於此，本文第2.3章將探討兩種不同型態的中介機構(銀行與群眾募資平台) 之風險穩定程度，並據此提出新的分析結論。
    金融中介在向大眾提供資金融通服務的同時也面臨風險。以信用風險及流動性風險為例，銀行利用創新金融工具，不但能將手中融資貸款部位的信用風險轉移至願冒險投資的投資人手中，藉此增加資金以繼續提供融資服務，成功達到幫助銀行增加利潤、分散信用風險，以及增加流動性等功能，但實際上，這些可能違約的信用風險其實並未消失。
    本文試圖重新檢視金融中介的信用風險議題，首先分析銀行產業結構會如何影響銀行的違約風險；並關注次貸後因市場流動性急遽消失而新興的新興金融工具--群眾募資，是否將再次導致市場上高風險項目的出現。
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    描述: 博士
    國立政治大學
    金融研究所
    95352501
    資料來源: http://thesis.lib.nccu.edu.tw/record/#G0095352501
    資料類型: thesis
    顯示於類別:[金融學系] 學位論文

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