利率市场化条件下我国城市商业银行业务转型研究

发布时间：2018-01-01 21:26

本文关键词：利率市场化条件下我国城市商业银行业务转型研究　出处：《湘潭大学》2014年硕士论文　论文类型：学位论文

【摘要】：利率市场化是金融自由化的必然要求，也是我国金融改革的核心目标。1996年，我国从取消对同业拆借利率的管制开始，逐步进行利率市场化改革。近年来，央行完全放开了银行贷款利率的浮动下限，存款利率仍存在管制。金融一体化以及全球化的发展要求不断完善的市场化利率，但是现在绝大部分商业银行仍然以扩大存贷利差作为其增加利润的主要手段，这势必会对其发展产生影响。在当前利率市场化加速发展的环境下，各种类型的商业银行存贷利差缩小，银行的利息净收入减少。为了应对激烈的市场竞争，提高自身竞争力与盈利能力，各商业银行纷纷探索转变发展模式，而对于起步较晚、内部治理结构还不完善、市场份额与整体规模较小的城市商业银行来说，无疑是更大的挑战。随着中国金融环境的不断完善，城市商业银行得到迅速发展，资产规模扩张较快，资本充足率和不良贷款率水平不断朝更好的趋势发展。但是随着利率市场化的不断发展，利率风险的不确定性增加了城市商业银行应对风险的难度，净利差的缩小降低了城市商业银行的盈利水平，此外，国有大型商业银行和股份制商业银行对其业务发展也形成了巨大挑战。面对利率市场化的加速发展，城市商业银行应如何处理所面临的各种风险？应如何应对金融环境的变化？其业务应如何转变从而提高自身竞争力呢？这正是本文要研究的问题。本文首先对利率市场化的相关理论进行了论述，指出了进行利率市场化的必要性，然后根据我国利率市场化的进程分析了当前我国城市商业银行的现状，并指出了当前我国城市商业银行发展中存在的不足。通过实际数据具体分析了利率市场化下，我国城市商业银行的发展出现了何种变化。并通过北京银行的案例分析指出了城市商业银行各类业务存在的问题以及需要改进的方向。这表明城商行应该不断进行业务创新来改善盈利能力。最后根据城商行的现状、存在的问题以及对北京银行案例的分析，从应对利率风险、提高非利息收入以及加强金融产品创新等方面提出了关于城市商业银行业务创新的几点政策建议，为其业务管理提供参考。
[Abstract]:Interest rate liberalization is the inevitable requirement of financial liberalization and the core goal of China's financial reform. In 1996, China began to abolish the regulation of interbank offered rate. In recent years, the central bank has completely liberalized the lower limit of the floating interest rate of bank loans. There are still controls on deposit interest rates. The development of financial integration and globalization requires the continuous improvement of market-oriented interest rates, but now most commercial banks still take the spread of deposit and loan interest rate as the main means to increase their profits. This is bound to have an impact on its development. In the current interest rate marketization accelerated development environment, the various types of commercial banks deposit and loan interest margin narrowing, bank interest net income reduced. In order to cope with the fierce market competition. To improve their competitiveness and profitability, the commercial banks have explored the transformation of the development model, but for the city commercial banks that start late, the internal governance structure is not perfect, market share and overall scale of the small commercial banks. With the continuous improvement of China's financial environment, urban commercial banks have developed rapidly, and the scale of assets has expanded rapidly. The level of capital adequacy ratio and non-performing loan ratio are developing towards better trend, but with the development of interest rate marketization, the uncertainty of interest rate risk increases the difficulty of city commercial banks to deal with the risk. The reduction of net interest margin reduces the profit level of urban commercial banks, in addition, the state-owned large commercial banks and joint-stock commercial banks have also posed a great challenge to their business development, facing the accelerated development of interest rate marketization. How should the city commercial banks deal with the various risks they face? How to cope with the changes in the financial environment? How can its business be transformed to improve its competitiveness? This is precisely the question that this text wants to study. This paper first discusses the relevant theories of interest rate marketization, points out the necessity of interest rate marketization, and then analyzes the current situation of China's urban commercial banks according to the process of interest rate marketization. It also points out the shortcomings in the development of urban commercial banks in China and analyzes the interest rate marketization through the actual data. Through the case study of Beijing Bank, the paper points out the problems existing in all kinds of business of city commercial banks and the direction to be improved. This indicates that city commercial banks should continue to advance. Bank business innovation to improve profitability. Finally, according to the status quo of the City Merchants. The existing problems and the case analysis of Beijing Bank, from the response to interest rate risk, improve non-interest income and strengthen the innovation of financial products, put forward a few policy recommendations on the business innovation of urban commercial banks. To provide reference for its business management.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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