摘 要
上个世纪七十年代，美元与黄金脱钩，布雷顿森林体系崩溃。从此，人类货币正式进入了信用货币制度时代。人类历史上第一次出现了没有任何一种主要货币与商品有任何联系的现象，每一种货币都成了不兑现货币，货币所依赖的只是政府的权威或认可，这在增加国家对信用货币控制能力的同时，也增加了政府填补财政赤字的手段，并埋下了通货膨胀的祸根。对于以信用货币为主要经营对象的商业银行而言，不仅通货膨胀对其生存和发展具有较大的影响，而且银行自身的经营状况也会对其信用货币经营效果产生重要影响。因此，分析以马克思主义信用货币理论为指导的中国商业银行信用货币运行风险问题，并提出相关的防控对策，不紧对中国的金融安全，而且对中国经济的健康发展和全面建设小康社会都具有重要的现实意义。
本文主要分四部分：
第一部分：绪论。首先，分析了选题的背景和研究意义：1978 国际货币基金组织宣布各种汇价的价值不再是黄金，导致黄金的非货币化和纸币时代的开始。
信用货币在增强国家货币控制能力的同时，也带来了通货膨胀的危险。因此，通过对商业银行信用货币运行风险的研究可以促进商业银行信用货币的稳健运行，减少乃至避免货币运行风险。其次，商业银行信用货币运行风险研究概述，总结了商业银行信用货币运行风险研究现状并对当前研究现状进行了评价。再次，介绍了选题的研究思路及写作方法。最后，总结了本文的创新点与不足。
第二部分：马克思的信用货币理论综述。首先，分析了信用货币的涵义。信用货币的涵义包括信用货币的概念、信用货币的产生和信用货币的性质等三项内容。其次，阐述了马克思的信用理论和货币理论的相关知识。最后，阐述了马克思信用货币理论对中国货币发展的实践指导意义。
第三部分：集中分析了商业银行信用货币运行风险的现状及问题。其中，商业银行信用货币运行风险的现状包括资产质量不高、市场化风险极大、汇率及其他金融衍生产品交易风险日益增大。商业银行信用货币运行风险存在的问题主要有投资增长过猛、贷款难以回收和市场经济环境的影响。
第四部分：探讨了商业银行信用货币运行风险的防控路径。针对商业银行信用货币运行风险的现状及存在的问题，防控路径主要包括以下几个方面：提高商业银行信用货币资产质量、加强商业银行信用货币市场风险调控、适度放缓商业银行信用货币投资增长速度、提高商业银行信用货币贷款回收能力、加强商业银行对货币政策的理解与应用能力、健全商业银行信用货币风险管理运行机制等六个方面。
关键词：
马克思；信用货币理论；商业银行；货币运行
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 录
第 1 章 绪 论
1.1 选题背景和研究意义
1.1.1 选题背景
1.1.2 研究意义
1.2 国内外研究综述
1.2.1 商业银行信用货币运行研究综述
1.2.2 对当前研究的评价
1.3 研究思路与研究方法
1.3.1 研究思路
1.3.2 研究方法
1.4 创新点与不足
1.4.1 创新点
1.4.2 不足
第 2 章 马克思的信用货币理论综述
2.1 信用货币内涵解读
2.1.1 信用货币的概念
2.1.2 信用货币的特征
2.1.3 信用货币的本质
2.2 马克思的信用理论
2.2.1 信用的概念界定
2.2.2 信用的形式
2.2.3 信用制度释义
2.2.4 信用的双重作用
2.3 马克思的货币理论
2.3.1 货币的起源
2.3.2 货币的本质
2.3.3 货币的职能
2.3.4 货币流通规律
2.4 马克思信用货币理论的实践意义
2.4.1 有利于构建中国特色货币理论体系和社会信用制度
2.4.2 有利于当代银行系统的健康稳定发展
2.4.3 有利于有效应对金融危机防范金融风险
第 3 章 商业银行信用货币运行风险现状评析
3.1 商业银行信用货币运行风险的现状
3.1.1 资产质量不高
3.1.2 市场化风险加大
3.1.3 汇率及其他金融衍生品交易风险日益增大
3.2 商业银行信用货币运行风险面临的问题
3.2.1 投资增长过快
3.2.2 贷款回收难加大
3.2.3 难以快速形成风险防控决策
第 4 章 商业银行信用货币运行风险的防控路径
4.1 提高商业银行信用货币运行质量
4.1.1 提高商业银行信用货币资产质量
4.1.2 加强商业银行信用货币市场风险调控
4.2 增强商业银行信用货币风险应对能力
4.2.1 适度放缓商业银行信用货币投资增长速度
4.2.2 提高商业银行信用货币贷款回收能力
4.2.3 加强商业银行对货币政策的理解与应用能力
4.3 健全商业银行信用货币风险管理运行机制
4.3.1 实行扁平化管理
4.3.2 健全商业银行信贷渠道预警机制
结 论
参 考 文 献
后 记
