利率市场化对H商业银行的影响及对策研究

发布时间：2018-04-01 00:37

本文选题：利率市场化　切入点：利率传导　出处：《华中科技大学》2013年硕士论文

【摘要】：随着我国加入WTO后所能享受的五年金融业保护期结束，我国的商业银行将面临与外资银行在国内市场同一市场环境内竞争的局面。由于西方金融市场大多都已经实行了利率市场化，而国内商业银行与外资银行相比，在利率风险把控和业务结构优化方面都不成熟，因此国内商业银行的整体竞争实力亟需提高，才能够适应与外资银行的激励竞争。这也就要求我国利率市场化的脚步必须进一步加快，商业银行必须要进一步向国际行业水平靠拢。H银行作为一家区域性中小银行，更需要未雨绸缪，提前准备。本文旨在通过分析利率市场化对H银行产生的影响，并对其提出应对的建议，具有一定的理论和现实意义。本文的研究主要采用文献研究法、比较分析法、归纳法、逻辑法、内容研究法等多种研究方法来进行理论分析。首先对近年来利率市场化研究的现状进行了归纳总结，并分析了历史上其他国家在利率管理和利率市场化改革方面所取得的实践经验；然后针对我国目前宏观经济金融发展的现状，，从理论分析角度分析我国推行利率市场化改革的重要意义，并回顾了我国自建国以来利率管理体制的发展历程；随后结合H商业银行的经营规模和发展现状，重点研究了在利率市场化进程中H商业银行所受到的影响，这其中既面临严峻的冲击和挑战，也创造了前所未有的改革和发展机遇，如果不能适应这一变化，H商业银行将可能面临被兼并和淘汰的风险，但如果能够把握这一变革时机，顺应发展趋势，及时调整经营战略，将使得经营自主权进一步扩大，提升银行竞争力；最后在以上分析的基础上，对于H商业银行从定价体系建设、发展中间业务、加强风险管理、加快金融创新四个方面提出了应对的策略建议。
[Abstract]:With the end of the five-year financial protection period that China can enjoy after China's entry into the WTO, Our commercial banks will face the situation of competition in the same market environment as foreign banks. Because most of the western financial markets have already implemented the marketization of interest rates, domestic commercial banks are compared with foreign banks. Interest rate risk control and business structure optimization are immature, so the overall competitive strength of domestic commercial banks needs to be improved. In order to adapt to the incentive competition with foreign banks, this also requires that the pace of interest rate liberalization in our country be further accelerated, and that commercial banks must move closer to the international level of the industry as a small and medium-sized regional bank. The purpose of this paper is to analyze the impact of interest rate marketization on H Bank and to put forward some suggestions to deal with it, which is of theoretical and practical significance. This paper mainly uses literature research method, comparative analysis method, induction method, logic method, content research method and other research methods to carry out theoretical analysis. First, the paper summarizes the current situation of interest rate marketization research in recent years. It also analyzes the practical experience of other countries in interest rate management and interest rate marketization reform, and then aims at the current situation of macroeconomic and financial development in China. This paper analyzes the significance of the market-oriented interest rate reform in China from the angle of theoretical analysis, and reviews the development process of the interest rate management system since the founding of the people's Republic of China. This paper focuses on the influence of H commercial banks in the process of interest rate marketization, which not only faces severe impact and challenges, but also creates unprecedented opportunities for reform and development. If commercial banks can not adapt to this change, they may face the risk of being merged and eliminated. However, if they can grasp the opportunity of this change, conform to the development trend and adjust their management strategies in a timely manner, they will further expand their operational autonomy. Finally, on the basis of the above analysis, the paper puts forward some countermeasures for H commercial bank from four aspects: the construction of pricing system, the development of intermediate business, the strengthening of risk management, and the acceleration of financial innovation.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33;F832.5

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