利率市场化加速下城市商业银行零售业务的发展研究

发布时间：2018-04-03 11:26

本文选题：利率市场化　切入点：城市商业银行　出处：《中国社会科学院研究生院》2014年硕士论文

【摘要】：利率市场化改革是中国金融体系的重要组成部分，有助于提高金融市场的效率，创造公平竞争的金融生态，促进经济的可持续发展。2013年7月起，中国人民银行放开了对金融机构的贷款利率管制，我国的利率市场化改革已经进入加速阶段。城市商业银行自创建以来发展稳健，逐渐成为了中国金融体系必不可少的部分，但与大型商业银行相比，在资本实力、风险管理、定价议价能力、组织机构、服务渠道等方面均处于弱势地位，利率市场化对其影响更大。发达国家的经验表明，市场导向的利率改革直接导致了存贷利差收窄，加剧银行对客户资源的竞争。我国银行业的利润来源长期过度倚重存贷利差，尤其是城市商业银行的净利息收入可以达到90%，利润结构、客户结构的调整，涉及到城市商业银行在利率市场化进程中的生存与发展。零售业务指商业银行向中小微企业、家庭以及个人提供的金融一体化、综合化服务，具有风险分散、收益稳定、资本占用少、经济增加值高、成长性良好等多重优势，，成为了城市商业银行在利率市场化加速下，稳定利润来源、支撑经营发展的重要突破口。因此，在利率市场化加速的背景之下，研究我国城市商业银行零售业务的发展具有深刻意义和现实基础。本文首先梳理了中国利率市场化进程以及城市商业银行的发展现状，结合利率市场化对我国城市商业银行的影响，认为城市商业银行应进行业务转型，实现盈利结构的调整。然后，本文分析了银行零售业务的特点及其重要性，并归纳出我国城市商业银行零售业务的发展现状和存在问题。接着，本文借鉴了花旗银行发展零售业务方面的成功经验，在此基础上分析了我国城市商业银行在利率市场化加速之下发展零售业务的挑战和机遇，并提出了具有现实意义的对策。最后，综合上述研究内容，得出利率市场化加速下我国城市商业银行发展零售业务的研究结论。
[Abstract]:The reform of interest rate marketization is an important part of China's financial system, which helps to improve the efficiency of financial markets, create a fair and competitive financial environment, and promote the sustainable development of the economy.The people's Bank of China has liberalized the interest rate of financial institutions, and China's interest rate marketization reform has entered an accelerated stage.City commercial banks have been developing steadily since their founding, and have gradually become an indispensable part of China's financial system. But compared with large commercial banks, they are in terms of capital strength, risk management, pricing bargaining power, organization and organization.Service channels and other aspects are in a weak position, interest rate marketization has a greater impact on it.The experience of the developed countries shows that the market-oriented interest rate reform directly leads to the narrowing of deposit and loan spreads and intensifies the competition of banks for customer resources.The profit source of our country's banking industry relies heavily on deposit and loan interest margin for a long time, especially the net interest income of city commercial bank can reach 90%, the adjustment of profit structure and customer structure.It involves the existence and development of city commercial banks in the process of interest rate marketization.Retail business refers to the integration and integration of financial services provided by commercial banks to small, medium and small enterprises, households and individuals, with multiple advantages such as dispersed risks, stable returns, less capital occupation, high economic added value, and good growth.It has become an important breakthrough for city commercial banks to stabilize profit sources and support business development under the acceleration of interest rate marketization.Therefore, under the background of the acceleration of interest rate marketization, it is of profound significance and realistic basis to study the development of retail business of urban commercial banks in China.This article first combs the interest rate marketization process and the city commercial bank development present situation, unifies the interest rate marketization to our country city commercial bank influence, thinks that the city commercial bank should carry on the business transformation, realizes the profit structure adjustment.Then, this paper analyzes the characteristics and importance of banking retail business, and sums up the present situation and existing problems of retail business of urban commercial banks in China.Then, this paper draws lessons from the successful experience of Citibank in the development of retail business, and then analyzes the challenges and opportunities of the development of retail business in China's urban commercial banks under the acceleration of interest rate marketization.And put forward the practical significance of the countermeasures.Finally, the conclusion of the research on the development of retail business of urban commercial banks in China under the acceleration of interest rate marketization is obtained by synthesizing the above research contents.
【学位授予单位】：中国社会科学院研究生院
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.1;F832.2

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