浅析金融领域“资金荒”的形成与对策

浅析金融领域“资金荒”的形成与对策(论文8800字)
摘  要
“资金荒”是2013年的最热关键词之一。代表发达国家的经合组织在一份报告中指出，其成员国明年可能面临高于预期的融资需求，预计总额将超过10万亿美元。考虑到欧债危机的爆发已严重挫伤了投资人投资主权债的积极性，经合组织警告说，发达国家2012年可能面临巨大的融资挑战。根据经合组织最新发布的《主权信贷展望》，该组织成员国今年的借款需求预计将达10.4万亿美元，2013年将达10.5万亿美元，从而导致各国债务水平保持在高位。这意味着，经合组织成员的融资需求比2007年增加了1万亿美元，且几乎为2005年的两倍。令局势变得更复杂的是发达国家面临的庞大债务再融资压力。根据报告，经合组织国家的短期债务发行所占比例仍为44%，远远高于2007年全球资金荒以前的水平。本文通过国内外的实例分析，找出资金荒出现的原因，并提出了一些可行的计划，
关键词：资金荒；融资；债务

Abstract
 "money shortage" is one of 2013's hottest keywords. On behalf of the developed OECD said in a report that its members could face higher than expected next year's financing needs are expected to amount to more than 10 trillion U.S. dollars. Taking into account the European debt crisis has seriously dampened investor enthusiasm for investing sovereign debt, the OECD warned that the developed countries in 2012 could face huge financial challenges. According to the OECD latest release of "sovereign credit outlook," member of the organization of this year's borrowing requirement is expected to reach $ 10.4 trillion, to reach $ 10.5 trillion in 2013, resulting in national debt levels remain high. This means that the financing needs of the OECD members in 2007 increased by more than $ 1 trillion, and is nearly twice that of 2005. Make the situation even more complicated is that developed countries face huge debt refinancing pressures. According to the report, the OECD countries, the proportion of short-term debt issuance is still 44 percent, far higher than the 2007 level before the global shortage of funds. In this paper, an instance of domestic and analysis to identify emerging shortage of funds, and puts forward some feasible plans,
Keywords: capital shortage; financing; debt

目录
一、我国国有商业银行不良资产现状简介    1
（一）“资金荒”的含义    1
（二）资金荒的表现形式：    1
（三）资金荒的危害    3
二、国内外资金荒的具体事件与分析    4
（一）国内面临“资金荒”    4
（二）美国的资金荒    6
（三）国内外研究现状综述    7
三、13年国内“资金荒”形成的原因和深层次分析    8
资金荒对我国的影响原因有以下几个方面：    8
四、对于“资金荒”的处理方式和应对方法    9
五、总结    11