利率市场化对平安银行业务发展的影响及对策研究

发布时间：2018-03-11 05:22

本文选题：利率市场化　切入点：平安银行业务发展　出处：《吉林大学》2013年硕士论文　论文类型：学位论文

【摘要】：2013年7月20日起金融机构贷款利率管制全面放开，标志着我国贷款利率市场化已基本完成，我国利率市场化改革已进入最后冲刺阶段。但是，同时也说明我国正处于利率市场化改革中，今后还会陆续出台利率市场化改革相关文件。众所周知，，利率作为最重要的基本经济因素之一，其改变必定会对整个社会的经济平衡造成巨大的直接或间接的影响。因此，利率市场化带来的影响及应对策略是我国相关研究的热点，但是很少人关注与它直接相关的银行业务也同样受到极大的影响。在利率市场化改革推进中，在信贷增长速度放慢、存款业务面临分流和资本受到约束的情况之下，我国银行业务的发展将面临一次重大的转型：从过去的以拼贷款业务、拉存款业务为主要特征、过度注重规模与速度的发展方式向着更加注重质量与效益的内涵发展方式转型；从过于依赖存贷业务与批发业务向着大力开拓零售业务和中间业务转变。利率市场化倒逼银行业务结构、客户结构、资产负债结构等调整优化。同时，利率市场化会使得银行同业竞争加剧，挑战银行业务定价能力，对银行风险管理能力提出了更高的要求。本文试图通过对利率市场化相关文献进行归纳总结，借鉴国际利率市场经验，结合我国利率市场化的进程，以平安为例分析利率市场化对银行业务发展的影响，探讨我国利率市场化改革进程中银行业务发展的对策,为平安银行在利率市场化进程中正确定位、把握业务发展方向提供建议，为保障我国银行业的健康发展提供参考。
[Abstract]:Since July 20, 2013 the full liberalization of lending rates of financial institutions regulation, marking China's lending interest rate market has been basically completed, China's market-oriented interest rate reform has entered the final sprint stage. However, at the same time also shows that China is in the interest rate market reform, the future will be the continued introduction of market-oriented interest rate reform documents. As everyone knows, the interest rate as one of the most important basic economic factors, the change will result in huge direct and indirect effects of economic balance of the whole society. Therefore, the impact of market interest and strategy is a hot research in our country, but few people pay attention to is directly related to its banking business is also greatly affected in the market-oriented interest rate reform, the slowdown in credit growth, deposit and capital constraints facing the diversion of the situation, the bank business in China The development will face a major transformation: from the past to fight the loan business, pull deposits as the main feature, the excessive focus on the transformation of development pattern scale and speed to pay more attention to the quality and efficiency of the connotation of development; from over reliance on loan business and wholesale business to vigorously explore the transformation of the retail business and intermediate business interest rates. The market forced bank business structure, customer structure, asset liability structure adjustment and optimization. At the same time, the interest rate market will make the banking industry competition, the pricing ability of the bank business challenges of bank risk management ability put forward higher requirements. This paper attempts to carry out the related literature on the interest rate market summary, with reference to international the interest rate market experience, combined with China's market-oriented interest rate process, security for the analysis of impact on the business development of the bank's interest rate market, explore the interest rate in China In the process of market-oriented reform, countermeasures for bank business development will provide suggestions for Ping An Bank to correctly position and grasp the direction of business development in the process of interest rate marketization, so as to provide references for the healthy development of China's banking industry.

【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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