我国利率市场化对商业银行影响及对策分析

发布时间：2018-03-25 22:54

本文选题：利率市场化　切入点：商业银行　出处：《辽宁大学》2014年硕士论文

【摘要】：我国对利率市场化改革问题的研究由来已久。自上世纪90年代中期央行放开对同业拆借市场利率管制以来，我国对利率市场化的探索已走过18个年头。党的十八大报告中，，政府明确提出了要加快推进金融体制改革，完善金融市场体系的意见。进入2013年以来，我国利率市场化的步伐明显加快：7月20日央行宣布解除对贷款利率的管制；8月22日我国首个自由贸易区——“上海自贸区”宣告成立；10月25日贷款基础利率（LPR）集中报价与发布机制成功上线。这一系列重大措施的推进，充分预示着我国利率实现全面市场化运作已为时不远。利率市场化改革是一项系统性，全面性的金融体制创新，随着改革的不断推进，势必会为整个金融市场带来巨大的变革。商业银行作为金融市场中重要的参与者，在利率机制的形成与利率定价中会受到何种冲击，并应当采取何种措施应对这一巨大变革，便成为学术界研究的热点内容之一。本文前两章在总结国内外学者的理论研究基础上，系统介绍了利率市场化相关理论中较为主流的观点：如可贷资金理论、金融抑制论与金融自由化次序论。第三章分析了我国实施利率市场化的现状与条件；第四章通过定性与定量分析方法全面分析了利率市场化进程中商业银行面对的机遇与挑战；第五章选取了利率市场化改革中较为成功的典型美国与近邻韩国，以及发展中国家中较早进行改革却不幸失败的阿根廷作为我国利率市场化改革的典型示范，试图从国外利率市场化改革中借鉴经验，得到启示。第六章结合我国国情，为国内银行提出了应对利率变革的具体建议和措施。
[Abstract]:The research on interest rate marketization reform in China has a long history. Since the central bank liberalized the interbank lending market interest rate control in the mid-1990s, the exploration of interest rate marketization in China has gone through 18 years. In the report of the 18th National Congress of the CPC, The government has made it clear that it is necessary to speed up the reform of the financial system and improve the financial market system. The pace of interest rate marketization in our country has quickened obviously: on July 20, the central bank announced the deregulation of loan interest rate; on August 22, the first free trade zone of China-"Shanghai Free Trade Zone" was established; and on October 25, the loan base interest rate was reported in a concentrated report. Price and release mechanism has been successfully launched. This series of major measures to promote, Fully foreshadowed that China's interest rate to achieve a full-scale market-oriented operation has not far. The reform of interest rate marketization is a systematic and comprehensive financial system innovation. With the development of the reform, it is bound to bring great changes to the whole financial market. As an important participant in the financial market, commercial banks, What kind of impact will be taken in the formation of interest rate mechanism and the pricing of interest rate, and what measures should be taken to deal with this huge change has become one of the hot topics in academic research. The first two chapters of this paper, on the basis of summarizing the theoretical research of domestic and foreign scholars, systematically introduce the more mainstream viewpoints in the relevant theories of interest rate marketization, such as the theory of loanable funds, The third chapter analyzes the current situation and conditions of interest rate marketization in China, the fourth chapter comprehensively analyzes the opportunities and challenges faced by commercial banks in the process of interest rate marketization through qualitative and quantitative analysis. The fifth chapter selects the successful interest rate marketization model of the United States and South Korea, as well as the developing countries in the early but unfortunate failure of the reform of Argentina as a typical model of China's interest rate marketization reform. This paper tries to draw lessons from the foreign interest rate marketization reform and get enlightenment. Chapter VI puts forward concrete suggestions and measures to deal with the interest rate reform for domestic banks in combination with the national conditions of our country.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.1;F832.33

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