利率市场化与银行业集中度

发布时间：2018-06-15 19:42

本文选题：利率市场化 + 银业市场集中度　；参考：《西南财经大学》2013年硕士论文

【摘要】：利率市场化改革在中国已经取得了初步成效,目前已经来到了改革的最后关口,即存贷款利率的完全放开。国际经验表明,利率市场化对金融与经济的发展都有一定的促进作用,与此同时利率市场化的完全实施是具有风险性的,会对一国金融体系造成一定的波动。本文选取银行业市场结构作为切入点,并以银行业集中度为代表,研究利率市场化对银行业结构带来的影响。文章的第一章介绍了“利率市场化与银行业集中度”这一选题的背景及意义,给出了本文的研究思路及安排。第二章归纳利率市场化和银行业结构的相关理论基础与文献综述。第三章按照时间序列梳理中国利率市场化的进程,并分析利率市场化对同业拆借市场、票据市场、债券市场以及存贷利差的影响。第四章分析存贷利差水平的现状及影响因素。第五章借鉴国际上主要国家和地区利率市场化对银行业结构的影响,分析利率市场化影响银行业结构的机理,探索中国银行业结构在利率市场化改革进程中可能的变化,并在对中国银行业市场结构近十年来在利率市场化背景下的变化以及现状进行实证分析的基础上,探讨利率市场化影响我国银行业市场结构的机理。第六章给出相应的政策建议。本文研究得出的结论如下所述：1、我国利率市场化改革促进了货币市场的发展,但存贷款利率仍未完全实现市场化改革。2、目前,我国银行业处于垄断竞争的市场结构,且垄断程度较高。3、利率市场化改革的推进会降低银行业集中度,使银行业集中度向合意的方向变化。本文研究得出的一些有益的结论,有着积极的政策意义：1、我国应积极推进利率市场化改革,但应采取渐进式改革。2、监管机构应适当引导中小银行进行产品和服务创新以应对大型商业银行的垄断地位。3、应当加快建立健全金融市场,创新金融产品,为市场主体提供规避利率风险的工具。
[Abstract]:The reform of interest rate marketization has made initial achievements in China, and has now reached the final level of reform, that is, the complete liberalization of deposit and loan interest rates. International experience shows that the marketization of interest rate can promote the development of finance and economy to a certain extent, at the same time, the complete implementation of marketization of interest rate is risky and will cause certain fluctuations to the financial system of a country. This paper chooses the banking market structure as the starting point and takes the banking concentration as the representative to study the influence of interest rate marketization on the banking structure. The first chapter introduces the background and significance of the topic "interest rate marketization and banking concentration", and gives the research ideas and arrangements. Chapter two summarizes the theoretical basis and literature review of interest rate marketization and banking structure. Chapter three combs the process of Chinese interest rate marketization according to the time series, and analyzes the influence of interest rate marketization on interbank borrowing market, paper market, bond market and deposit and loan interest rate difference. The fourth chapter analyzes the current situation of deposit and loan interest margin and its influencing factors. Chapter five draws lessons from the influence of interest rate marketization on the banking structure of major countries and regions in the world, analyzes the mechanism of interest rate marketization affecting the banking structure, and explores the possible changes of the Chinese banking structure in the course of interest rate marketization reform. Based on the empirical analysis of the market structure of China's banking industry in the past ten years under the background of interest rate marketization, the mechanism of interest rate marketization affecting the market structure of China's banking industry is discussed. The sixth chapter gives the corresponding policy recommendations. The conclusion of this paper is as follows: 1. The market-oriented reform of interest rate in China has promoted the development of the money market, but the interest rate of deposit and loan has not completely realized the market-oriented reform. At present, the banking industry of our country is in the market structure of monopoly competition. And the degree of monopoly is higher. 3. The promotion of interest rate marketization will reduce the banking concentration and make the banking concentration change to the desired direction. Some useful conclusions obtained in this paper have positive policy significance: 1. Our country should actively promote the reform of marketization of interest rate. However, gradual reform should be adopted, and the regulatory bodies should appropriately guide small and medium-sized banks to innovate their products and services in order to cope with the monopoly position of large commercial banks. They should speed up the establishment and improvement of financial markets and innovate financial products. To provide the main body of the market with the tools to avoid interest rate risk.
【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】：F822.0;F832.5

【参考文献】