利率市场化对安徽省农信社影响研究

发布时间：2018-04-18 20:38

本文选题：利率市场化 + 农信社　；参考：《安徽大学》2013年硕士论文

【摘要】：一直以来,我国实行利率管制政策,利率的生成机制、传导途径和管理方式都由中国人民银行总行强制性制定并执行。随着我国经济一体化和金融自由化的飞速发展,利率市场化势在必行。国际经验表明,利率市场化改革过程中以及完成之后的五年内,小型银行机构破产倒闭的概率会大幅增加。未来,随着我国存款保险制度的出台,银行机构破产倒闭的现象将由理论走向现实。作为二级法人体制下的农村信用社,主要收入来源仍然是存贷款利差,为了应对利率市场化下的同业竞争,吸收存款利率“一浮到顶”,贷款利率由先前的“一浮到顶”降低到基本与其他国有和股份制商业银行扯平。此外,相比其他国有及大型商业银行,农信社中间业务收入占比明显偏低。因此,利率市场化下,农信社如何认识自己与其他商业银行之间的差距,找准市场定位,把握市场机遇,实现可持续发展,具有重大意义。本文从利率市场化的概念、主要风险表现形式、我国利率市场化特点以及沿革历程入手,对利率市场化对农信社业务发展及风险控制影响作了深入的研究,并通过实际调查研究,以安徽省农信社风险控制现状为例,深入分析利率市场化下安徽农信社风险管理组织架构及定价机制、利率定价模式、应对利率市场化的能力等,重点分析了农信社在风险管控、利率风险管理、盈利能力、市场竞争等方面面临的困难和调整,针对性地提出了农信社在体制改革、风控机制、转型创新、小微企业服务、信贷风险把控、信息系统建设、构建全面风险管理体系等七大方面的应对策略,为推动农信社利率市场化下如何全面控制风险,提升核心竞争力提供较强的意见建议和参考价值。本文分为章进行阐述,第一章为绪论,主要阐述了研究利率市场化对农信社产生影响的背景和研究意义,国外内外研究利率市场化的主要理论,并对自己研究的主要内容与思路、研究创新点作了简要描述。第二章为利率市场化主要风险形式及沿革历程,分别从概念、表现形式、特点和变革历程等方面进行陈述。第三章,以安徽农信社为例,从风险管理框架、利率定价模式和应对利率市场化能力进行全面分析。第四章着重分析了利率市场化对农信社的影响,从有利影响、不利影响进行分析,重点分析了不利影响。第五章重点阐述应对利率市场化不利影响的具体对策,并最终阐明结论性建议。本文的创新之处在于,目前,国内外研究利率市场化对银行业尤其是商业银行业务发展及风险控制影响研究较多,但对中小银行机构特别是农信社小银行法人机构的风险控制影响研究较少,本文作者结合自己在农信社系统多年的工作经历,且抽调一批人员成立利率市场化调研小组,历时一个月,对安徽农信社如何应对利率市场化开展了专题研究,充分做到理论联系实际,具体研究利率市场化下农信社风险控制现状,有针对性地提出了应对利率市场化的具体措施,从而实现学以致用的目的。
[Abstract]:China has been the implementation of interest rate control policy, the formation mechanism of the interest rate, transmission channels and management mode by the head office of the people's Bank of Chinese mandatory formulated and implemented. With the rapid development of China's economic integration and financial liberalization, interest rate marketization is imperative. The international experience shows that the process of marketization of interest rate reform and after the completion of the within five years, the probability of small banks bankruptcy would increase sharply. In the future, with the introduction of deposit insurance system in China, the phenomenon of bankruptcy of bank will become reality by theory. As the two level of human body under the system of rural credit cooperatives, the main source of income is still the loan spreads in response to the interest rate market. Under the competition, deposits a floating the top rate, loan interest rate from the previous "a floating the top down to basic and other state-owned and joint-stock commercial bank at Ping. In addition, compared to other state-owned large commercial banks and rural credit cooperatives, intermediate business income accounted for significantly lower. Therefore, the interest rate market, how to realize the rural credit cooperatives between themselves and other commercial banks, market positioning, grasp market opportunities, achieve sustainable development, is of great significance.
From the concept of interest rate marketization, the main risk forms, starting with the characteristics of China's interest rate market and the evolution process, the impact of interest rate marketization of rural credit cooperatives business development and risk control are studied deeply, and through the actual investigation, in Anhui Province Rural Credit Cooperatives risk control situation as an example, in-depth analysis interest rate marketization of rural credit cooperatives in Anhui risk management organization structure and pricing mechanism, pricing model, the ability to deal with the interest rate market, focus on the analysis of the rural credit cooperatives in the risk management, interest rate risk management, profitability, and difficult adjustment facing market competition, puts forward the rural credit cooperatives in system reform, risk control mechanism, transformation and innovation, Small and micro businesses, credit risk control, information system construction, the seven strategies to build a comprehensive risk management system of rural credit cooperatives, to promote the marketization of interest rate How to control the risk in an all-round way and improve the core competitiveness provides a strong suggestion and reference value.
This paper is divided into chapters, the first chapter is the introduction, mainly expounds the background of the study of interest rate marketization impact on rural credit cooperatives and the research significance, the main theoretical research of marketization of interest rates abroad, and the main content of his research and ideas, research and innovation are briefly described. The second chapter is the interest rate market the main risk types and evolution, respectively form from the concept, characteristics and the course of the reform of state. In the third chapter, taking Anhui rural credit cooperatives as an example, from the framework of risk management, interest rate pricing model and market interest rates in response to the ability to conduct a comprehensive analysis. The fourth chapter focuses on the analysis of the impact of interest rate marketization of agricultural credit cooperatives, from the beneficial effects, analysis of adverse effects, focuses on the analysis of the adverse effects. The fifth chapter focuses on specific measures to deal with the interest rate market impact, and finally clarify on recommendations.
The innovation of this paper is that, at present, the domestic and foreign research of interest rate liberalization on banking especially more on impact of commercial bank business development and risk control, but for small and medium-sized banks in particular risk control legal institutions of rural credit cooperatives of small banks studied less, combined with the author's own experiences in the system of rural credit cooperatives in years of work and, from a group of personnel to form a group of research interest rate market, which lasted a month, rural credit cooperatives in Anhui how to deal with the interest rate market to fully carry out studies, linking theory with practice, the present situation of the risk control of rural credit cooperatives in the interest rate market specific research, puts forward the specific measures to deal with the interest rate market in order to achieve the purpose of application.

【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

【参考文献】