利率市场化视域下农村商业银行的困境与出路

发布时间：2018-07-10 08:57

本文选题：利率市场化 + 农村商业银行　；参考：《武汉理工大学学报(社会科学版)》2016年05期

【摘要】：商业银行的改革是我国金融体制改革的重要内容。商业银行在整个金融宏观调控之中的作用在于其作为宏观调控政策的媒介。中央银行通过实施货币政策影响银行的利润水平进而调节信贷规模,改善社会资源配置。农村商业银行由于资本力量薄弱、组织分散、总体竞争力不强等,在利率市场化改革中将面临巨大的生存压力,但农村商业银行是服务于小微企业和"三农",在为农村农业改革提供金融支持中扮演重要角色。农村商业银行在利率市场化环境下的生存和发展状况直接影响到金融政策和宏观调控能否作用于小微企业和"三农"。所以,利率市场化改革之后,在我国以大型国有商业银行为主体、多种商业银行共存、相互分工、协同合作的商业银行体系中,农村商业银行能否立足,将是影响未来金融宏观调控效果的重要因素,也是评价此次利率市场化改革是否成功的重要标志。
[Abstract]:The reform of commercial banks is an important part of the reform of our financial system. The function of commercial bank in the whole financial macro-control lies in its being the medium of macro-control policy. The central bank influences the profit level of banks through the implementation of monetary policy and adjusts the scale of credit and improves the allocation of social resources. Rural commercial banks will face enormous survival pressure in the reform of interest rate marketization because of their weak capital strength, scattered organization, weak overall competitiveness, and so on. However, rural commercial banks serve small and micro enterprises and play an important role in providing financial support for rural agricultural reform. The survival and development of rural commercial banks in the interest rate marketization environment directly affect whether the financial policy and macro-control can act on the small and micro enterprises and the "agriculture, countryside and farmers". Therefore, after the reform of interest rate marketization, in the commercial banking system in which large state-owned commercial banks are the main body, many kinds of commercial banks coexist, work together and cooperate with each other, rural commercial banks can stand on their feet. It will be an important factor to influence the effect of financial macro-control in the future, and also an important symbol to evaluate the success of the interest rate marketization reform.
【作者单位】：黄冈师范学院政法学院;中南财经政法大学工商管理学院;
【基金】：国家社科基金重点研究项目“公共视域下城乡基层社会治理机制创新研究”(14AZD046)
【分类号】：F832.5;F832.35

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