G商业银行应对利率市场化的策略研究

发布时间：2018-04-11 06:22

本文选题：G商业银行 + 利率市场化　；参考：《广西大学》2014年硕士论文

【摘要】：利率不仅是金融产品的价格,更是金融市场的主导因素。对于银行业领域而言,利率的市场化堪称是一场重大的变革。它在对商业银行产生深远与广泛的影响的同时,也为商业银行的发展带来了前所未有的机遇与风险。商业银行对于利率市场化的重视程度与应对策略,也在极大程度上影响和制约了银行的长远发展。我国仍是政府主导利率的变动,尚未完全实现利率市场化,因此利率市场化可能带来的风险可能就会被忽视。在利率市场化已经成为大势所趋的当下,随着政府对利率管制的不断放松,我国银行利率的波动性会慢慢加强,商业银行如何应对利率市场化是我们研究的重点。现代化的商业银行不仅是一个具有综合性的多功能金融企业,更是金融机构的重要组成部分之一。如何做好利率市场化应对工作,及时地调整商业银行的经营思路与经营策略,继续保证商业银行在我国现代经济体制改革中的主导地位,充分发挥其金融调控作用,是我国商业银行所要面临的新课题。面对我国利率市场化改革的不断深入,利率市场化进程的不断加深以及各商业银行之间的竞争不断激烈的现状,G商业银行如何根据实际情况应对利率市场化对,对于G商业银行的生存与发展都至关重要。本文在对利率市场化的研究现状、利率市场化的内涵和特点以及我国利率市场化发展历程及趋势进行简要叙述的基础上,以G商业银行为例,对G商业银行经营现状、经营主要问题、在利率市场化中的机遇和挑战进行详尽分析的前提下,借助美国等发达经济体以及台湾地区等新兴经济体利率市场化历程的经验,对G商业银行应对利率市场化提出了建立科学的定价机制、加快产品创新和组合等策略,以期为促进G商业银行在我国利率市场化改革中的发展提供参考。
[Abstract]:The interest rate is not only the price of financial products, is the dominant factor of the financial market. For the banking sector, the interest rate market is a major change. It have far-reaching and extensive on the commercial bank at the same time, also has brought unprecedented opportunities and risks for the development of commercial banks. The commercial bank for the degree of attention and coping strategies of interest rate liberalization, influence and restrict the long-term development of the bank is to a great extent. Our country is still dominated by the government interest rate changes, not yet fully realized the interest rate market, the interest rate market risk may be neglected. In the interest rate market has become represent the general trend. Now, with the government on the interest rate to relax, the volatility of bank interest rate in China will gradually strengthen, the commercial banks how to deal with the interest rate market is the focus of our study.
Modern commercial banks not only is a comprehensive and multi-functional financial enterprises, it is one of the important part of the financial institutions. How to do the work to deal with the interest rate market, business ideas and business strategy for commercial banks to adjust timely, to guarantee the dominant position of commercial banks in the reform of China's modern economic system, fully play the role of financial regulation, is a new topic of China's commercial banks will face. In the face of China's market-oriented interest rate reform, the situation between the deepening of interest rate marketization and the fierce competition in the commercial bank, G commercial bank according to the actual situation to deal with the interest rate market, are essential for the survival and development of commercial bank G.
Based on the research status of the interest rate market, the basic connotation and characteristics of the interest rate market and interest rate liberalization in China development process and trend on the brief introduction to the G commercial bank as an example, on the management of G commercial bank, the main business premise, detailed analysis on the interest rate market opportunities in and the challenge, with interest rates in emerging market economies of the history of the United States and other developed economies as well as in Taiwan's experience, to deal with the interest rate marketization of commercial bank G proposed the establishment of a scientific pricing mechanism, accelerate product innovation and combination strategy, in order to provide reference for promoting the development of G in the reform of China's commercial banks the interest rate in the market.

【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F832.1

【参考文献】