利率市场化对宁夏A村镇银行的影响分析及对策研究

发布时间：2018-05-05 00:34

本文选题：利率市场化 + 村镇银行　；参考：《宁夏大学》2014年硕士论文

【摘要】：我国自1996年开始正式启动利率市场化改革,到2013年底,距离告别利率管制时代、实现利率市场化仅剩一步之遥：放开对存款利率的管制。改革给商业银行带来机遇,也对商业银行管理和适应能力带来挑战。村镇银行作为新型农村金融机构,品牌弱,规模小,风险控制水平跟不上业务发展速度。利率市场化改革,一方面,促进了村镇银行经营自主权的增加、机构转型、组织结构和经营机制完善；另一方面,也使其盈利能力受到影响、竞争压力增加、资金定价难度加大、利率风险、流动性风险、信用风险等风险增加。本文主要通过理论和实证分析、定性和定量分析相结合的方法,论述宁夏A村镇银行现状,分析利率市场化对A行发展的影响,并结合国内外银行应对利率市场化经验,提出A行应对利率市场化的对策。本文将对A行认清现状,在利率市场化改革中把握机遇、克服挑战,实现可持续发展,对探讨政府在政策方面如何引导、支持机构发展等方面有重要意义。
[Abstract]:China began to formally start the reform of interest rate marketization since 1996. By the end of 2013, only one step left to realize interest rate marketization in the era of bid farewell interest rate control is to liberate the control of deposit interest rate. Reform brings opportunities to commercial banks and challenges the ability of commercial banks to manage and adapt. Village banks are the new rural financial machines. Structure, the brand is weak, the scale is small, the level of risk control can not keep up with the speed of business development. On the one hand, the interest rate marketization reform has promoted the increase of the management autonomy of the village and town banks, the institutional transformation, the organizational structure and the management mechanism. On the other hand, the profit ability is affected, the pressure of competition is increased, the difficulty of capital pricing is increased, interest rate wind is more difficult. Risk, liquidity risk, credit risk and other risks increase. This article mainly through the theoretical and empirical analysis, qualitative and quantitative analysis of the combination of methods, discuss the status of Ningxia A village banks, analysis of the impact of the interest rate market on the development of A, and combined with domestic and foreign banks to deal with the interest rate market experience, put forward the Countermeasures of the A bank to deal with the interest rate market. This article will recognize the status of the A line, grasp the opportunity in the reform of the interest rate market, overcome the challenges and realize the sustainable development. It is of great significance to discuss how the government guides the policy and support the development of the institution.

【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.51;F832.35

【参考文献】