利率市场化对县域农业银行业务经营影响及应对策略

发布时间：2019-03-13 13:33

【摘要】：县域农业银行分支机构是农业银行最基层的营业与核算单位,是农业银行服务“三农”的主力军,是体现农业银行竞争力的基础。近年来,随着农业银行商业化改革的不断深入,其县域分支机构也开始出现脱胎换骨的变化,主要表现为：内部管理更加精细化、业务发展更加均衡化、风险管理更加自律化、盈利能力更加多元化。但是,随着国家金融改革的逐步深入,作为最重要的资金价格符号改革,利率市场化已经接近收关阶段。目前,除存款利率上限尚未放开外,银行经营的贷款、票据贴现等价格已经交由市场决定。利率市场化引起的银行利差收窄现象已开始出现,同时,由于利率市场化而带来的市场竞争能力、创新发展能力、风险管控能力和价值创造能力要求也更高。本文通过分析利率市场化对银行业带来的影响,特别是对基层县域支行在业务经营、内部管理、产品与创新、风险管理、盈利模式的影响,指出目前基层县域农业银行在服务“三农”与县域经济中存在的主要问题,并针对这些影响与问题提出相应的应对策略与应对路径等。
[Abstract]:The branch of Agricultural Bank of County is the most basic business and accounting unit of Agricultural Bank of China. It is the main force of Agricultural Bank of China to serve agriculture, rural areas and farmers, and is the foundation to reflect the competitiveness of Agricultural Bank of China. In recent years, with the continuous deepening of the commercial reform of the Agricultural Bank, its county branches have also begun to undergo radical changes, mainly as follows: the internal management is more refined, the business development is more balanced, and the risk management is more self-paced. Profitability is more diversified. However, with the deepening of the national financial reform, as the most important capital price symbol reform, interest rate marketization is close to the closing stage. At present, in addition to the deposit interest rate ceiling has not been liberalized, bank-operated loans, bills discount and other prices have been handed over to the market. The phenomenon of bank interest margin narrowing caused by interest rate marketization has begun to appear. At the same time, the market competition ability, innovation and development ability, risk control ability and value creation ability brought about by interest rate marketization are also higher. This paper analyzes the impact of interest rate marketization on the banking industry, especially on the business management, internal management, product and innovation, risk management and profit model of the county branches at the grass-roots level. This paper points out the main problems existing in the service of the "three rural areas" and the county economy by the county agricultural banks at the grass-roots level, and puts forward the corresponding countermeasures and ways to deal with these effects and problems.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33;F822.5

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