利率市场化下国有商业银行面对的挑战及对策研究
发布时间：2018-09-03 12:17
【摘要】：利率市场化是我国改善宏观调控的手段和效果的有效途径,也是我国进行金融市场改革的重要环节之一。利率市场化的改革是一个长期、艰难的过程,尤其是对于像我国这样的发展中国家而言,由于国家的经济基础薄弱,抗冲击能力较差,只能通过采取渐进式的方法逐步推进利率市场化。实行利率市场化会给我国国有商业银行带来机遇的同时,也会让其面临诸多挑战。国有商业银行应结合我国经济发展的国情和利率市场化已取得的成果,借鉴国外利率市场化成功的经验、吸取国外失败的教训,并具体分析利率市场化会给我国商业银行带来包括打破“金融抑制”、维持利率水平、转变自主定价模式等在内的难得的机会和存贷利差、利率风险以及优势减弱等方面的困难,从而制定有效的政策、措施以把握机遇、积极应对,在尽可能短的时间内适应金融环境的逐步变化,提高金融系统运行效率,促进经济发展的潜在能量发挥。本文研究在利率市场化条件下,分析我国国有商业银行所面临的机遇和挑战,并提出应对策略,有一定的理论和实际意义。 本文在充分理解并阐述利率市场化含义及其基础理论的基础上,综述了我国利率市场化的发展进程及其他国家在利率市场化改革中的成功经验和失败教训,总结了其他国家利率市场化给我国带来具有借鉴意义的启示。重点分析了利率市场化对我国国有商业银行带来的机遇及挑战,提出应对策略。
[Abstract]:The marketization of interest rate is an effective way to improve the means and effect of macro-control in our country, and it is also one of the important links of financial market reform in our country. The reform of interest rate marketization is a long and difficult process, especially for a developing country such as China, because of its weak economic base and poor ability to resist shocks. Interest rate marketization can only be promoted step by adopting a gradual approach. The marketization of interest rate will bring opportunities to the state-owned commercial banks in our country, but will also make them face many challenges. The state-owned commercial banks should learn from the successful experience of foreign interest rate marketization and draw lessons from the failure of foreign countries according to the situation of our country's economic development and the achievements of interest rate marketization. It also analyzes concretely that marketization of interest rate will bring about rare opportunities and deposit and loan spreads for Chinese commercial banks, including breaking "financial repression", maintaining the level of interest rate, changing the independent pricing model, and so on. Interest rate risk and the difficulty of weakening advantages, so as to formulate effective policies and measures to seize the opportunity, actively respond to, adapt to the gradual changes in the financial environment in the shortest possible time, and improve the operational efficiency of the financial system. Potential energy to promote economic development. Under the condition of interest rate marketization, this paper analyzes the opportunities and challenges faced by state-owned commercial banks in China, and puts forward some countermeasures, which are of theoretical and practical significance. On the basis of fully understanding and expounding the meaning of interest rate marketization and its basic theory, this paper summarizes the development process of interest rate marketization in China and the successful experience and failure lessons of other countries in the interest rate marketization reform. This paper summarizes the enlightenment of interest rate marketization in other countries to our country. This paper analyzes the opportunity and challenge of interest rate marketization to state-owned commercial banks in China, and puts forward some countermeasures.
【学位授予单位】：东北财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33
本文编号：2219957
[Abstract]:The marketization of interest rate is an effective way to improve the means and effect of macro-control in our country, and it is also one of the important links of financial market reform in our country. The reform of interest rate marketization is a long and difficult process, especially for a developing country such as China, because of its weak economic base and poor ability to resist shocks. Interest rate marketization can only be promoted step by adopting a gradual approach. The marketization of interest rate will bring opportunities to the state-owned commercial banks in our country, but will also make them face many challenges. The state-owned commercial banks should learn from the successful experience of foreign interest rate marketization and draw lessons from the failure of foreign countries according to the situation of our country's economic development and the achievements of interest rate marketization. It also analyzes concretely that marketization of interest rate will bring about rare opportunities and deposit and loan spreads for Chinese commercial banks, including breaking "financial repression", maintaining the level of interest rate, changing the independent pricing model, and so on. Interest rate risk and the difficulty of weakening advantages, so as to formulate effective policies and measures to seize the opportunity, actively respond to, adapt to the gradual changes in the financial environment in the shortest possible time, and improve the operational efficiency of the financial system. Potential energy to promote economic development. Under the condition of interest rate marketization, this paper analyzes the opportunities and challenges faced by state-owned commercial banks in China, and puts forward some countermeasures, which are of theoretical and practical significance. On the basis of fully understanding and expounding the meaning of interest rate marketization and its basic theory, this paper summarizes the development process of interest rate marketization in China and the successful experience and failure lessons of other countries in the interest rate marketization reform. This paper summarizes the enlightenment of interest rate marketization in other countries to our country. This paper analyzes the opportunity and challenge of interest rate marketization to state-owned commercial banks in China, and puts forward some countermeasures.
【学位授予单位】：东北财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33
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，本文编号：2219957
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