利率市场化对银行业并购的影响

发布时间：2018-01-24 21:42

本文关键词： 利率市场化银行业并购利率风险　出处：《北京交通大学》2013年硕士论文　论文类型：学位论文

【摘要】：利率市场化处于金融自由化的核心位置,直到现在也一直是国内外金融政策层面和学术界关注的焦点。2008年美国爆发金融危机,学术界在分析危机产生根源时又将注意力放到了美国的利率政策上,利率问题再次成为全世界关注的热点。在美国、日本及其他一些发达国家和发展中国家的利率市场化过程中,银行业首当其冲受到冲击,无论是存贷差的变化还是企业融资,都加剧了银行间的竞争,加大了银行的风险,如果把握不好时机则会造成银行业的混乱,甚至诱发金融危机。本文首先从利率市场化的概述说明利率市场化给银行业带来的影响,接下来通过美日及一些发展中国家的利率市场化的特点、进程来进一步分析利率市场化对银行业的影响。然后,分析银行业的并购动因,及国际银行业并购的成因,接下来基于美日的利率市场化分析对银行业并购的影响的分析,指出这些影响是否会引发银行业的并购及影响银行业并购的机理是什么,还通过拉美国家的利率市场化对银行业并购的影响来分析两者之间的联系。文章最后阐述了我国的利率市场化进程,及利率市场化对我国经济的影响,通过系统地整理了相关文献,通过分析认为,利率市场化对银行业并购起到了促进作用,同时也会在某种情况下抑制并购的发生,而对银行业的发展是好是坏还需要进一步的研究分析。
[Abstract]:Interest rate marketization is the core position of financial liberalization, and has been the focus of attention of domestic and foreign financial policy and academic circles until now. In 2008, the financial crisis broke out in the United States. When the academic circles analyze the origin of the crisis, they pay more attention to the interest rate policy of the United States, and the interest rate problem becomes the focus of the whole world again. In the process of interest rate liberalization in the United States, Japan and other developed and developing countries, the banking industry is the first to bear the brunt, whether it is the change of deposit and loan gap or enterprise financing. Both intensify the competition between banks, increase the risk of banks, if not grasp the opportunity will lead to banking chaos, and even induce financial crisis. This paper first explains the impact of interest rate marketization on the banking industry from an overview of interest rate marketization, and then through the characteristics of interest rate marketization in the United States, Japan and some developing countries. Then, it analyzes the causes of M & A and the causes of M & A in international banking. Then based on the interest rate marketization analysis of the United States and Japan on the impact of banking M & A, this paper points out whether these impacts will lead to banking M & A and what the mechanism of banking M & A is. The paper also analyzes the relationship between interest rate liberalization and banking M & A in Latin American countries. In the end, the paper expounds the process of interest rate marketization in China, and the influence of interest rate marketization on our country's economy. The interest rate marketization has promoted the banking M & A, and at the same time it will restrain the M & A under certain circumstances. But the development of the banking industry is good or bad, and it needs further research and analysis.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F831.2;F821.0

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