利率市场化下中国农业银行盈利模式转变的问题研究

发布时间：2018-01-01 22:12

本文关键词：利率市场化下中国农业银行盈利模式转变的问题研究　出处：《上海交通大学》2014年硕士论文　论文类型：学位论文

【摘要】：改革开放以来，伴随经济持续、稳定和快速的增长，我国的金融业实现了快速的发展和成长，而银行的整体实力更是有了明显的提升，经营效益逐年递增。但是在银行漂亮的利润数字的表面之下，现实情况是：长期以来，我国实行严格的利率管制政策，，高存贷息差“保护政策”的存在，使我国商业银行长期以来依赖于传统的资金借贷业务，利差收入是银行最主要的利润来源。利率市场化后，存贷利差空间将受到进一步的挤压，传统的单一的盈利模式面临挑战。中国农业银行,在利率市场化过程中，需要做出积极的调整，采取相应的对策措施，实现盈利模式的战略转型。本文通过分析利率市场化对商业银行产生的影响，我国银行业盈利模式存在的问题现状，以及利率市场化对中国农业银行盈利模式造成的现实影响，提出中国农业银行在新的市场环境下，需要实现业务结构重塑和盈利模式的转变，最后提出了相应的对策措施和建议。在论证方法上，本文主要是通过对中国农业银行历年财务报表数据的比较，以及通过SWOT分析，来分析论证利率市场化对中国农业银行业务结构和盈利模式的影响。
[Abstract]:Since the reform and opening up, with the sustained, stable and rapid growth, China's financial industry has achieved rapid development and growth, and the overall strength of the bank is significantly improved, operating efficiency is increasing year by year. But under the surface of the bank's profits of the beautiful, the reality is: for a long time, I in the strict control of interest rate policy, high loan spreads "protection policy", the business loan funds of commercial banks in China has long relied on traditional banks, interest income is the main source of profits.
After the interest rate liberalization, the space of interest and loan spreads will be further squeezed. The traditional single profit mode is facing challenges. In the process of interest rate liberalization, the Agricultural Bank of China needs to make active adjustment and take corresponding countermeasures to achieve the strategic transformation of profit mode.
In this paper, through the analysis of the impact of commercial bank interest rate market, the existing problems in the profit model of China's banking industry, and the real interest rate market impact on the profit model of the Agricultural Bank of Chinese, proposed the Agricultural Bank of China in the new market environment, the need to change the business structure remodeling and profit model, and finally put forward the corresponding countermeasures and suggestions.
In the argumentation method, this paper mainly analyzes the impact of interest rate liberalization on the business structure and profit mode of China Agricultural Bank through comparing the financial statements data of Agricultural Bank of China in past years and through SWOT analysis.

【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.5;F832.33

【参考文献】