利率市场化下的村镇银行定位分析

发布时间：2018-01-15 03:17

本文关键词：利率市场化下的村镇银行定位分析　出处：《山东农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：目前我国利率市场化已经进入快速推进阶段，是我国金融改革的重要举措，他从根本上改变了我国金融市场的价格机制，引导了整个金融体系的平衡。借鉴别国利率市场化经验可以得知，利率市场化是场长期的、曲线的变革。它能金融资源的重新配置，优化金融效率，促进经济的发展，但也会带来不可预知的风险。我国作为发展中国家，经济发展不平衡，中西差距、城乡差距显著。在这种情况下，作为新兴农村金融机构的村镇银行必须根据自身特点实施应对策略已达到应对风险抓住机遇的目的。本文首先罗列了利率市场化中国内外学者的研究成果，提出了改革中的问题；罗列了国内外学者对村镇银行的研究成果，总结了村镇银行的发展问题并提出解决方案。其次以三个具有代表性的国家为例，对美国、日本、阿根廷利率市场化改革的措施和方案进行了分析，探讨了不同经济发展情况的国家改革的不同措施以及不同结果，并提出了利率市场化可能对我国银行业产生的影响。然后回顾了我国以往的利率市场化步骤，提出了我国改革中的问题和利率市场化对村镇银行营业的影响。运用SWOT分析法综合分析了村镇银行面对利率的变革自身的优劣势，和外部的机遇挑战，针对当前我国村镇银行市场定位的现实状况，分析影响其市场定位的基本并相应提出了解决方案。在利率市场化进程加快的背景下，本文具有一定实用价值。在目前的国际金融形势下，我国推进利率市场化银行业面临着利率风险，对利率风险的预测监控能力直接影响了银行在金融竞争中的生存能力。第一，我国银行业长期在利率管制之下，不需要对利率风险进行预测，对利率的不重视使得自身对利率风险的识别、分析、防控水平较低，风险防控机制没有贯彻，无法对大环境的变化进行对应。第二，村镇银行的主要收入来源是存贷差，中间业务少，资产负债不合理，因此利率的波动会造成巨大影响。最后，我国对金融业监督管理出台法规不多，没有形成体系，证券、货币市场不完善，都会对村镇银行造成影响。基于此，本文也在最后提出了建议：村镇银行应着手建立利率防控机制，应对利率市场化；加强中间业务，利用金融工具降低利率风险；国家加强对金融机构的监管并出台具体法律法规等。加入了WTO对我国经济提出了更高的要求，我国的经济机制和经济配置与发达国家尚有差距，我们只有提高自身才能在竞争中把劣势转为优势，抓住机会抢住先机。利率市场化就是我国提高市场机制的重要一步，这也使得我国经济更加开放，，更加包容。
[Abstract]:At present our country interest rate marketization has entered the fast advancement stage, is our country financial reform important measure, he fundamentally changed our country financial market price mechanism. Guide the balance of the whole financial system. Draw lessons from other countries' interest rate marketization experience, we can know that interest rate marketization is a long-term, curve change. It can reconfigure financial resources and optimize financial efficiency. Promote economic development, but also bring unpredictable risks. As a developing country, China's economic development is uneven, the gap between China and the West, the gap between urban and rural areas is significant. Village banks, as new rural financial institutions, must implement coping strategies according to their own characteristics. This paper first lists the research results of domestic and foreign scholars in the interest rate marketization, and puts forward the problems in the reform. Listed the domestic and foreign scholars on the village bank research results, summed up the development of village banks and put forward solutions. Secondly, three representative countries as an example, to the United States, Japan. The measures and schemes of interest rate marketization reform in Argentina are analyzed, and the different measures and results of national reform with different economic development are discussed. It also puts forward the possible impact of interest rate liberalization on China's banking industry, and then reviews the previous steps of interest rate marketization in China. This paper puts forward the problems in the reform of our country and the influence of interest rate marketization on the operation of village banks. By using SWOT analysis, the author comprehensively analyzes the advantages and disadvantages of village banks facing the reform of interest rate, and the external opportunities and challenges. In view of the current situation of market positioning of village and town banks in our country, this paper analyzes the basic factors affecting the market positioning and puts forward corresponding solutions. Under the background of speeding up the process of interest rate marketization, this paper has certain practical value. Under the current international financial situation, our country promotes the interest rate marketization banking to face the interest rate risk, the forecast monitoring ability to the interest rate risk has directly affected the bank survival ability in the financial competition. First. China's banking industry has long been under the interest rate control, do not need to predict the interest rate risk, the interest rate does not attach importance to the interest rate risk identification, analysis, low level of prevention and control, risk prevention and control mechanism has not been implemented. Can not correspond to the changes in the environment. Second, the main source of income of rural banks is the difference between deposits and loans, less intermediate business, unreasonable assets and liabilities, so the fluctuation of interest rate will cause a huge impact. Finally. There are not many laws and regulations on the supervision and management of the financial industry in our country, no system is formed, the securities and the money market are not perfect, all of them will have an impact on the village banks. Based on this. Finally, this paper puts forward some suggestions: village banks should set up interest rate prevention and control mechanism to deal with the marketization of interest rate; Strengthen intermediary business and use financial instruments to reduce interest rate risk; The state strengthens the supervision of financial institutions and issues specific laws and regulations. China's entry into WTO has put forward higher requirements for our economy. There is still a gap between China's economic mechanism and economic allocation and developed countries. Only by improving ourselves can we turn our inferiority into advantage in the competition. The marketization of interest rate is an important step to improve the market mechanism, which also makes our economy more open and tolerant.
【学位授予单位】：山东农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.1;F832.35

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