黄河农村商业银行内部资金转移定价体系的重构

发布时间：2018-05-12 16:26

本文选题：农村金融机构 + 内部资金　；参考：《宁夏大学》2017年硕士论文

【摘要】：2012年以来,随着中国不断深化金融体制改革,中国人民银行通过降低存款基准利率、放开金融机构基准利率上浮上线等多种手段,利率市场化深度与广度不断推向纵深。2015年,在连续五次降息、四次全面降准、五次定向降准及存款保险制度出台的大背景下,农村金融机构的生存面临严峻挑战,如何寻找新的提高核心竞争力的精细化管理方法,已经成为当下农村金融机构的核心难题。本文根据黄河农村商业银行当前面临的规模效应递减、净息差水平逐渐收窄、内部资金管理水平较低、利率风险管理不到位、原有内部资金转移定价方法落后等一系列问题,提出了重构内部资金转移定价的设想,并形成了一套完整的内部资金转移定价方案。通过本论文的研究,拟构建该行内部资金转移定价方案体系的理论框架和模型,为国内中小金融机构尤其是农村金融机构全面推广使用新的内部资金管理定价模型提供借鉴作用。
[Abstract]:Since 2012, as China has deepened the reform of the financial system, the people's Bank of China has continuously pushed the depth and breadth of interest rate liberalization to a deeper depth by lowering the benchmark interest rate on deposits and opening up the benchmark interest rate of financial institutions to the line. Against the background of five consecutive interest rate cuts, four overall cuts, five directional cuts and the introduction of the deposit insurance system, the survival of rural financial institutions is facing severe challenges. How to find new and refined management methods to improve core competitiveness, It has become the core problem of rural financial institutions. According to a series of problems, such as decreasing scale effect, decreasing net interest margin level, low level of internal capital management, lack of interest rate risk management and backward pricing method of internal capital transfer, this paper is based on the decline of scale effect faced by the rural commercial banks of the Yellow River at present. This paper puts forward the idea of reconstructing internal fund transfer pricing and forms a complete set of internal fund transfer pricing scheme. Through the research of this paper, the paper intends to construct the theoretical framework and model of the internal fund transfer pricing scheme system of the bank. It provides a reference for the domestic small and medium-sized financial institutions, especially the rural financial institutions, to promote the use of the new internal capital management pricing model.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35;F830.42

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