利率市场化对A银行的影响分析

发布时间：2018-01-04 22:13

本文关键词：利率市场化对A银行的影响分析　出处：《北京交通大学》2014年硕士论文　论文类型：学位论文

【摘要】：摘要：我国始于1993年的渐进式利率市场化改革已开展了超过20年的时间,在此期间,央行基本遵循“先外币、后本币；先贷款,后存款；先长期、大额,后短期、小额”的改革思路,取得了重大的阶段性成果。近两年来,我国利率市场化的进程明显加快,利率改革进入全面加速时期。作为我国金融市场主体的商业银行,将不可避免地受到来自利率改革的一系列冲击,对此进行分析和总结,探讨有关应对建议,对于商业银行的转型与发展意义重大。本文以“利率市场化对A行的影响分析”为题,以A银行为案例,深入剖析了利率市场化对我国商业银行的影响,针对商业银行主要在业务层面受到冲击的现实,提出了加快业务结构调整、提升自身定价水平等建议。论文首先从理论层面对利率市场化相关文献进行概述和总结,包括国外的理论总结和国内的研究述评；在对美国、韩国的利率改革进行比较分析后发现,利率市场化对商业银行的影响主要体现在业务层面,对此银行应及时思考结构转型,寻求新的盈利模式；随后,探讨了我国利率市场化改革的实现条件与可能路径,进而分别从存款业务、理财业务、资产业务角度,对我国商业银行受到的利率改革冲击进行了全面而深入的剖析；在此基础上,重点以A银行为例,从总行与分行层面详细分析了利率市场化改革背景下A银行所面临的冲击及影响,并提出了商业银行应对利率改革的相关建议,包括重新定位发展战略、全力推进经营转型、加快业务结构调整等五个方面,以期对A银行以及其他商业银行的发展有所启示。已有的研究多集中在对某个地区或国家情况的宏观分析,银行个案研究较为缺乏。本文的研究特色在于,采用案例分析的形式,分别从总行和分行层面,以实际数据和调研资料为基础,详细探讨了A行受利率改革的冲击,并提出了相关的应对建议,得出的结论和启示对其他商业银行颇具实践意义。
[Abstract]:Absrtact: the gradual reform of interest rate marketization, which began in 1993, has been carried out for more than 20 years. During this period, the central bank basically followed "first foreign currency, then local currency;" First loan, then deposit; The long term, large amount, short term and small amount of reform have made great achievements. In the past two years, the process of interest rate marketization in our country has been accelerated obviously. As the main body of our financial market, commercial banks will inevitably be affected by a series of impacts from interest rate reform. It is of great significance to the transformation and development of commercial banks. This paper takes "the impact of interest rate liberalization on Bank A" as a topic, and takes Bank A as a case to deeply analyze the impact of interest rate marketization on commercial banks in China. In view of the fact that commercial banks are mainly impacted in the business level, the paper puts forward some suggestions such as speeding up the adjustment of business structure and improving the pricing level of commercial banks. Firstly, the paper summarizes the relevant literature of interest rate marketization from the theoretical level, including the foreign theoretical summary and domestic research review; Through the comparative analysis of interest rate reform in America and South Korea, it is found that the influence of interest rate marketization on commercial banks is mainly reflected in the business level. The banks should think about the structural transformation in time and seek a new profit model. Then, the paper discusses the conditions and possible paths of the interest rate marketization reform in China, and then from the deposit business, financial management business, asset business point of view. The impact of interest rate reform on Chinese commercial banks is analyzed comprehensively and deeply. On this basis, taking Bank A as an example, the impact and impact of Bank A on interest rate marketization under the background of interest rate marketization are analyzed in detail from the head office and branch level. And put forward the commercial banks to respond to the interest rate reform of the relevant recommendations, including re-positioning development strategy, vigorously promote business transformation, accelerate the adjustment of business structure and other five aspects. With a view to the development of Bank A and other commercial banks have enlightenment. Most of the existing studies focus on the macro analysis of a certain region or country, and the case studies of banks are relatively lacking. The characteristics of this study are that the case study is based on the form of case analysis, from the head office and branch level, respectively. Based on the actual data and research data, this paper discusses the impact of interest rate reform on Bank A in detail, and puts forward some relevant suggestions. The conclusions and revelations are of great practical significance to other commercial banks.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F832.5

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