利率市场化商业银行中间业务拓展研究

发布时间：2018-01-07 18:07

本文关键词：利率市场化商业银行中间业务拓展研究　出处：《天津财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：目前,利率市场化改革已成为下一步金融改革的重点课题之一,呈现出日益明显的加速趋势,但在利率市场化的进程中,国内商业银行在转变传统经营模式、提升利率风险管理能力和资金定价能力方面仍面临着巨大的挑战。如何应对新趋势下的机遇与挑战成为了当前商业银行亟待解决的问题。2012年6月到7月间,在短短的,间隔还未到一个月的时间里,就连续两次宣布要调整商业银行的存贷款利率浮动区间,贷款利率浮动区间进一步扩大,并首次允许存款利率上浮。2013年7月,金融机构贷款利率管制被中国人民银行全面放开,同时金融机构贷款利率0.7倍的下限被取消,在不打破商业原则的前提下,贷款利率水平可以由金融机构自主确定。至此,利率市场化涉及我国贷款的工作基本完成,未来还剩下逐步扩大存款利率上限、直至彻底放开这一最为关键的步骤。我国资金流通和运作的中心是商业银行,在利率市场化、金融托媒等背景下,商业银行能否加速金融创新、提升创新业务和非利息收入比重对于整个金融体系改革具有示范作用。从金融创新角度看,一方面,利率市场化的作用初步显现,相应牵扯到的金融产品定价权被赋予给了商业银行,这一权利促进和推动了商业银行开展金融创新的可能性；另一方面,商业银行所面临的空前加大的竞争压力也随之而来,大大提升了利率风险。商业银行只有通过持续有效的金融创新,才能规避利率风险,这就需要大力发展中间业务。文章选取中间业务发展视角,结合国内金融市场现状,探讨通过大力发展中间业务走出应对利率市场化趋势的可持续发展路径。在第一章中引出本文的选题背景和意义,同时有选择的阐述了相关领域的国内外学者及其一些重要研究成果并介绍了本文的研究思路。本文的第二章主要阐述了我国商业银行中间业务发展现状并分析了在利率市场化背景下的现存问题。本文的第三章主要阐述了应对利率市场化的有效手段是商业银行发展中间业务。首先列举了在利率市场化背景下哪些方面会对我国商业银行产生影响,然后从几个方面说明发展中间业务作为商业银行应对利率市场化手段的原因。第四章从经营环境、银行自身、市场需求等方面阐述影响我国商业银行中间业务发展的因素。第五章基于农业银行在利率市场化进程中对中间业务的拓展论述我国商业银行应该如何应对。
[Abstract]:At present, the interest rate marketization reform has become one of the key topics of the next financial reform, showing an increasingly obvious acceleration trend, but in the process of interest rate marketization, domestic commercial banks are changing the traditional business model. How to deal with the opportunities and challenges in the new trend has become an urgent problem for commercial banks to solve. From June 2012 to July, there are still enormous challenges to be faced in improving the ability of interest rate risk management and capital pricing. Between. In a short period of less than one month, it has been announced twice in a row that the floating range of deposit and loan rates of commercial banks will be adjusted, and the floating range of loan rates will be further expanded. In July 2013, the people's Bank of China fully liberalized the control of interest rates on loans from financial institutions, while the lower limit of 0.7 times the lending rate of financial institutions was abolished. On the premise of not breaking the commercial principle, the level of loan interest rate can be determined by financial institutions independently. At this point, the interest rate marketization involves the basic completion of the work of lending in China, and there will be a gradual expansion of the upper limit of deposit interest rate in the future. The center of capital circulation and operation of our country is commercial bank. Under the background of interest rate marketization and financial supporting medium, commercial bank can accelerate financial innovation. Raising the proportion of innovative business and non-interest income has a demonstration effect on the reform of the whole financial system. From the perspective of financial innovation, on the one hand, the role of interest rate marketization appears. The pricing power of financial products involved has been given to commercial banks, which promotes and promotes the possibility of financial innovation by commercial banks. On the other hand, the unprecedented competition pressure faced by the commercial banks also followed, greatly raising the interest rate risk. Commercial banks can avoid interest rate risk only through sustained and effective financial innovation. This requires the development of intermediary business. This article selects the perspective of intermediary business development, combined with the current situation of domestic financial markets. Through the development of intermediary business out of the interest rate marketization trend of sustainable development path. In the first chapter leads to the background and significance of this topic. At the same time, this paper selectively expounds the domestic and foreign scholars in related fields and some important research results, and introduces the research ideas of this paper. The second chapter of this paper mainly expounds the current situation of the development of intermediate business of commercial banks in China and analyzes the development of the intermediate business of commercial banks in China. The third chapter mainly expounds that the effective way to deal with the marketization of interest rate is the commercial bank to develop intermediate business. China's commercial banks have an impact. Then from several aspects to explain the development of intermediary business as a commercial bank to respond to the interest rate marketization means reasons. 4th chapter from the operating environment, the bank itself. Chapter 5th discusses how the commercial banks of our country should deal with the development of intermediary business based on the expansion of the intermediary business in the process of interest rate marketization by the Agricultural Bank of China.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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