利率市场化背景下兰州银行发展问题研究

发布时间：2018-04-27 23:18

本文选题：利率市场化 + 商业银行　；参考：《兰州财经大学》2017年硕士论文

【摘要】：20世纪70年代以来,经济一体化的浪潮席卷全球,推动了利率市场化的发展与快速实现,也促进了世界经济一体化的进程。两年前,我国利率市场化的改革已经完成,存贷款利率将根据市场供求关系而自发决定,银行存贷利差进一步收窄。以往商业银行依赖传统业务收入而获得的高额利润的情况不复存在,商业银行稳定持续发展将依托业务产品的创新与业务结构的转型。构建起推动盈利能力增长的业务结构,不仅是商业银行实现平稳运营的基础,也是商业银行利润实现稳健增长的关键。利率市场化能为商业银行带来发展机遇,能迫使商业银行转变思路,提升自身竞争力。兰州银行成立二十年以来,为甘肃省地方经济建设做出了巨大贡献。近几年,积极推行“小微”与“三农”业务的转型,加大对中小企业的扶持力度。随着利率市场改革的不断深化,兰州银行面对的风险大大增加,依赖高利息收入获得利润的业务结构已经不适应当前的经济了。另外,兰州的盈利能力也将随利率市场化的深化受到影响。本文对兰州银行公开的年度财务报表数据进行分析,具体研究在利率市场化背景下兰州银行传统业务发展状况、承担风险的变化情况和盈利能力变化情况。分析得出,兰州银行在利率市场化的变革中,承担的风险逐渐增大,传统业务盈利能力正在减弱。文章最后提出了兰州银行应对利率市场化的发展建议,分别是积极构建集约内涵型业务模式、探索发展财富管理业务、对业务和服务“精细化”和加强风险管控手段。
[Abstract]:Since the 1970s, the tide of economic integration has swept the world, promoting the development and rapid realization of interest rate marketization, and also promoting the process of world economic integration. Two years ago, the reform of interest rate marketization in China was completed, the interest rate of deposit and loan will be decided spontaneously according to the relationship between supply and demand in the market, and the difference between deposit and loan interest rate will be narrowed further. In the past, the high profits obtained by commercial banks based on traditional business income no longer exist. The stable and sustainable development of commercial banks will depend on the innovation of business products and the transformation of business structure. The construction of business structure to promote the growth of profitability is not only the basis for commercial banks to achieve smooth operation, but also the key to the steady growth of profits of commercial banks. Interest rate marketization can bring development opportunities for commercial banks, force commercial banks to change their thinking and enhance their own competitiveness. Lanzhou Bank has made great contributions to the local economic construction of Gansu Province since its establishment 20 years ago. In recent years, actively promote the "small" and "three rural" business transformation, increase support for small and medium-sized enterprises. With the deepening of the reform of interest rate market, the risk faced by Lanzhou Bank is greatly increased, and the business structure which relies on high interest income to obtain profits is no longer suitable for the current economy. In addition, Lanzhou's profitability will also be affected by the deepening of interest rate marketization. This paper analyzes the annual financial statement data of Lanzhou Bank, and specifically studies the traditional business development, risk taking and profitability of Lanzhou Bank under the background of interest rate marketization. The analysis shows that the risk of Lanzhou Bank is gradually increasing and the profitability of traditional business is weakening in the reform of interest rate marketization. Finally, the paper puts forward the development suggestions of Lanzhou Bank to deal with the marketization of interest rate, which are to construct intensively the intension business model, to explore the development of wealth management business, to "refine" the business and service and to strengthen the means of risk control.
【学位授予单位】：兰州财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

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