中美两国商业银行应对利率市场化的比较与优化策略

发布时间：2018-05-11 20:26

本文选题：经营成本 + 利率市场化　；参考：《对外经贸实务》2017年01期

【摘要】：利率市场化在保证金融机构资源均衡,实现金融机构资源高效配置方面,发挥着重要作用。特别是在金融机构盈利模式变化的现阶段,利率市场化成为金融变革的重要趋势,促使商业银行随之开始转型。然而,目前我国商业银行在应对利率市场化改革进程中面临着诸多问题。例如,传统业务结构和客户结构难以适应利率市场化的发展;商业银行金融服务不够健全,难以拓展自身业务等。相较而言,美国商业银行在应对利率市场化方面有着较为先进的做法。由此,文章对美国商业银行利率市场化的经验进行分析,并分析了当前利率市场化背景下我国商业银行目前面临的问题,最后提出了对应的优化策略。
[Abstract]:Interest rate marketization plays an important role in ensuring the balance of financial institutions' resources and realizing the efficient allocation of financial institutions' resources. Especially at the present stage of the change of profit mode of financial institutions, interest rate marketization has become an important trend of financial reform, which urges commercial banks to begin to transform. However, China's commercial banks are facing many problems in the process of interest rate marketization reform. For example, the traditional business structure and customer structure are difficult to adapt to the development of interest rate marketization, and the financial services of commercial banks are not perfect enough to expand their own business. American commercial banks, by contrast, have advanced approaches to interest rate liberalization. Therefore, this paper analyzes the experience of American commercial banks' interest rate marketization, analyzes the problems facing our commercial banks under the background of interest rate marketization, and finally puts forward the corresponding optimization strategies.
【作者单位】：兰州城市学院;
【基金】：兰州市科技局软科学项目(科技型中小企业融资模式创新研究)编号:2014-1-78
【分类号】：F832.5;F832.33;F837.12

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