利率市场化对我国商业银行的影响及应对策略

发布时间：2018-03-22 22:04

本文选题：利率市场化　切入点：商业银行　出处：《天津财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：20世纪70年代欧美各国为摆脱“滞胀”困扰,相继把金融自由化改革作为摆脱经济困境的突破口,金融管制的解除确实促进经济发展,金融自由化的浪潮也因此席卷全球。利率市场化作为金融自由化改革的重点在改善金融环境、提高金融系统运行效率和促进经济发展方面发挥了重要作用。我国作为世界经济一部分,面对如此世界之潮流不可能置身事外。改革开放以来,我国不断推进经济体制的改革,对价格的管制不断放开,资金价格——利率的开放问题也引起人们的注意。1992年我国提出建立市场经济体制的改革目标,作为金融体制改革重点的利率市场化在1993年被明确提出,1996年起我国正式启动了利率市场化改革。利率市场化是一个庞大的系统性工程,其成败关乎社会经济的稳定,在吸收借鉴国际利率市场化改革正反两方面经验的基础上,我国利率市场化渐进式改革一步步稳步推进。商业银行在利率市场化改革中受到的冲击最大,既面临挑战也迎来了发展机遇。而且入世之后,金融业对外开放程度不断提高,外资银行不断大量进入国内市场,十八届三中全会提出了要不断深化金融业对内对外开放,自贸区的建立更是把商业银行推到了最开放的国际市场环境进行竞争。商业银行必须积极主动提高自身竞争力才能在日益激烈的市场竞争中生存发展。本文首先从利率管理的角度分析了不同管制和自由程度的利率管理方式的优缺点,阐释了利率市场化的内涵,从利率管制带来的弊端和利率市场化带来的益处正反两方面阐释了利率市场化的必要性。然后详细归纳比较分析了国外不同国家的利率市场化改革历程和特点,总结出对我国利率市场改革有益的经验教训。最后梳理了我国利率市场化的改革历程,分析了利率市场化给我国商业银行带来的利率风险,有针对性的提出了商业银行应对利率市场化的对策,尤其是在利率风险管理方面提出了具体的策略措施和管理工具,以此来提高商业银行的风险控制能力,增强商业银行竞争力。
[Abstract]:In the 1970s, in order to get rid of stagflation, European and American countries took the reform of financial liberalization as a breakthrough point to get rid of the economic predicament, and the deregulation of financial regulation did promote economic development. Therefore, the wave of financial liberalization has swept the world. As the reform of financial liberalization, marketization of interest rates is focused on improving the financial environment. Improving the operational efficiency of the financial system and promoting economic development have played an important role. As a part of the world economy, it is impossible for China to stay out of the world in the face of such a trend. Since the reform and opening up, China has continuously promoted the reform of the economic system. The control of price has been liberalized, and the opening of capital price-interest rate has also attracted people's attention. In 1992, China put forward the reform goal of establishing market economy system. Interest rate marketization, which is the key point of financial system reform, was clearly put forward in 1993, and interest rate marketization was officially launched in China in 1996. Interest rate marketization is a huge systematic project, and its success or failure is related to the stability of social economy. On the basis of absorbing and drawing lessons from the positive and negative aspects of international interest rate marketization reform, the gradual reform of interest rate marketization in China is advancing steadily step by step. The commercial banks have suffered the greatest impact in the interest rate marketization reform. After joining the WTO, the degree of opening up to the outside world of the financial industry has been continuously raised, and foreign banks have continuously entered the domestic market. The third Plenary session of the 18th CPC Central Committee proposed that the financial industry should continuously deepen its opening to the outside world within the country. The establishment of the free trade zone has pushed commercial banks to the most open international market environment for competition. Commercial banks must actively improve their competitiveness in order to survive and develop in the increasingly fierce market competition. From the angle of interest rate management, this paper analyzes the advantages and disadvantages of different regulation and free degree of interest rate management. The connotation of interest rate marketization is explained. This paper expounds the necessity of interest rate marketization from two aspects: the malpractice brought by interest rate regulation and the benefit of interest rate marketization. Then, the paper summarizes and compares the process and characteristics of interest rate marketization reform in different foreign countries. This paper summarizes the experience and lessons beneficial to the reform of interest rate market in China. Finally, it combs the reform course of interest rate marketization in China, and analyzes the interest rate risks brought by interest rate marketization to Chinese commercial banks. In order to improve the risk control ability of commercial banks, the paper puts forward the countermeasures to deal with the marketization of interest rate, especially the specific tactics and management tools in the aspect of interest rate risk management. Enhance the competitiveness of commercial banks.
【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】：F832.5;F832.33

【相似文献】