基于利率市场化的我国农商行盈利模式研究

发布时间：2017-12-31 12:32

本文关键词：基于利率市场化的我国农商行盈利模式研究　出处：《山西财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：自1996年中国人民银行放开对银行间同业拆借利率的管制以来,我国利率市场化改革的进程逐步展开。利率市场化是我国金融市场发展的必然选择,是有效发挥市场资源配置的重要方面。它不仅能够真实的反映市场资金的供求变化,提高市场效率,而且可以降低金融抑制程度,稳定金融市场。2015年10月,存款利率的放开标志着我国历时将近20年的利率市场化改革画上了句号。利率市场化使我国金融业的经营环境发生了翻天覆地的变化,在商业银行拥有更多的资金定价权以及银行业竞争越来越激烈的情况下,存贷利差将不断收窄。而我国商业银行目前还是粗放式的利差主导盈利模式,尤其是我国的农村商业银行,净利息收入占其总收入的比重在80%左右,有的甚至更高,存贷差不断收窄使其盈利能力不断下降,农村商业银行举步维艰。因此,对农村商业银行如何转变盈利模式以应对利率市场化带来挑战的研究显得尤为迫切。本文首先梳理了利率市场化和商业银行盈利模式的相关理论,并在此基础上介绍了美国、日本利率市场化进程以及其商业银行如何成功应对利率市场化带来的冲击,为我国农村商业银行盈利模式的转型提供借鉴。然后基于我国利率市场化进程和我国农村商业银行盈利模式的现状,以及利率市场化对我国农村商业银行盈利模式的影响,运用实证验证利率市场化对于我国农村商业银行盈利模式转型的影响,得出利率市场化促进我国农村商业银行的盈利模式从利差主导型转向非利差主导型。最后本文根据实证结果以及经验借鉴,提出我国农村商业银行转变盈利模式应对利率市场化的建议。
[Abstract]:Since 1996, the people's Bank of China opening of the interbank interest rate regulation, China's market-oriented interest rate reform process has been carried out. The marketization of interest rate is the inevitable choice of China's financial market development, is an important aspect to develop effective allocation of market resources. It can not only reflect the change of supply and demand of funds in the market, improve the market the efficiency, but also can reduce the degree of financial repression, the stability of the financial market in October.2015, the liberalization of deposit rates, marking the painting market oriented interest rate reform in China nearly 20 years of the period. The interest rate market to China's financial business environment has undergone changes in turn the world upside down, have more capital pricing and banking in the commercial bank competition more and more intense, spread will continue to narrow. And the commercial banks in our country still spreads extensive leading profit model, especially It is our country's rural commercial bank, net interest income accounted for the proportion of total income of around 80%, some even higher bad loan narrowing the declining profitability of commercial banks, rural difficult. Therefore, rural commercial banks on how to change the profit model to deal with the interest rate market research challenges particularly urgent. This paper reviews the related theory of profit model of the interest rate market and commercial banks, and based on this, the United States, Japan and the interest rate marketization of commercial banks how to successfully deal with the impact of interest rate marketization, provide a reference for the transformation of the profit model of China's rural commercial banks. Then based on the current situation of process I in the interest rate market and China's rural commercial bank profit model, and the influence of interest rate on the profit model of China's rural commercial banks, the use of empirical test The market interest rate card impact profit model transformation of China's rural commercial bank, the interest rate market to promote China's rural commercial bank profit model spreads from dominant to non dominant spreads. Finally according to the empirical results and experience, put forward China's rural commercial bank profit model to interest rate marketization recommendations.

【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35;F832.5

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