利率市场化条件下我国村镇银行发展研究

发布时间：2018-07-17 05:24

【摘要】：2013年7月20日起,中国人民银行全盘放开对金融机构的贷款利率约束,不再对金融机构贷款利率实行下限为0.7倍的约束,由市场资金供求双方自主决定；对票据贴现的利率不再实行严格管制,也交给金融机构自主决定。同时对农村信用社贷款利率不再设立上限。这就意味着中央银行已经全面放开金融机构贷款利率管制,在利率市场化改革的道路上迈出了重要的一步。政策的出台和实施是否能达到央行的预期,还需要金融机构自身的改革与配合,以及整个金融体系各项基础设施的完善。为稳妥有序地推进利率市场化进程,需要特别关注较为薄弱的环节——农村金融机构改革。村镇银行的出现,弥补了农村金融领域的不足,促进农村金融改革和社会主义新农村建设,功不可没。但是,村镇银行在这些年的发展中存在的各种问题也日益凸显。利率市场化的大背景,也让村镇银行这一新兴事物面临新的机遇和挑战。在利率市场化条件下,研究村镇银行如何发挥其制度与信息优势,规避品牌和规模劣势,提升其核心竞争力显得至关重要。本文的研究内容分为以下五个部分。第一章序论部分提出本文的选题背景以及研究目的和意义,总结了国内外的研究现状,介绍本文的研究方法与思路以及本文的创新之处；第二章对我国村镇银行进行界定,分析村镇银行的发展历史和现状,并总结出我国村镇银行存在的主要问题；第三章梳理了利率市场化的相关理论和我国的改革进程,分析利率市场化对我国村镇银行带来的机遇和挑战；第四章总结了国外农村金融组织利率市场化的启示,总结利率市场化背景下村镇银行发展的国际借鉴；第五章在前文研究的内容基础上提出村镇银行应对利率市场化的对策,我国村镇银行应找准自身和目标市场定位,积极迎接挑战,更好地服务三农和为社会主义建设贡献力量。本文针对我国村镇银行自成立以来出现的问题和发展现状,运用理论分析和实践分析相结合的方式探究当前利率市场化条件下村镇银行所面临的机遇和挑战,总结国内外利率市场化改革的经验教训,寻找适合我国村镇银行发展的改良措施,对于我国村镇银行未来的发展具有一定的现实意义。
[Abstract]:Since July 20, 2013, the people's Bank of China has completely liberalized the restrictions on the lending interest rates of financial institutions, no longer imposing a limit of 0.7 times on the lending rates of financial institutions, and has decided independently by both the supply and demand sides of market funds. Discounted interest rates are no longer strictly controlled and are left to financial institutions. At the same time, the lending rate of rural credit cooperatives no longer set the upper limit. This means that the central bank has fully liberalized the interest rate control of financial institutions and has taken an important step on the road of interest rate marketization reform. Whether the policy can meet the expectations of the central bank requires the reform and cooperation of the financial institutions and the improvement of the infrastructure of the whole financial system. In order to advance the marketization of interest rate in a steady and orderly manner, special attention should be paid to the reform of rural financial institutions, which is a weak link. The appearance of village bank makes up for the shortage of rural finance and promotes the reform of rural finance and the construction of new socialist countryside. However, village banks in the development of these years in the existence of a variety of problems are also increasingly prominent. The interest rate marketization background, also let the village bank this new thing faces the new opportunity and the challenge. Under the condition of interest rate marketization, it is very important to study how village banks exert their system and information advantages, avoid brand and scale disadvantages, and enhance their core competitiveness. The research content of this paper is divided into the following five parts. The first chapter preface part puts forward the background, purpose and significance of this paper, summarizes the current research situation at home and abroad, introduces the research methods and ideas of this paper and the innovation of this paper; the second chapter defines the village banks in our country. This paper analyzes the development history and present situation of village banks, and summarizes the main problems of village banks in China. Chapter three combs the relevant theories of interest rate marketization and the reform process of our country. The fourth chapter summarizes the enlightenment of interest rate marketization of foreign rural financial organizations, summarizes the international reference for the development of village banks under the background of interest rate marketization. The fifth chapter puts forward the countermeasures of the village banks to deal with the marketization of interest rate on the basis of the contents of the previous research. The village banks of our country should find out the orientation of themselves and the target market actively meet the challenge and better serve the three rural areas and contribute to the socialist construction. Aiming at the problems and development situation of village banks since their establishment, this paper explores the opportunities and challenges faced by village banks under the condition of marketization of interest rate by combining theoretical analysis with practical analysis. Summing up the experience and lessons of the interest rate marketization reform at home and abroad and looking for the improvement measures suitable for the development of the village bank in our country have certain practical significance for the future development of the village bank in our country.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35;F832.5

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