基于利率市场化的商业银行盈利模式研究

发布时间：2018-03-19 18:22

本文选题：利率市场化　切入点：商业银行　出处：《山西财经大学》2015年硕士论文　论文类型：学位论文

【摘要】：利率市场化是我国现阶段金融改革的重要任务之一，继2013年7月全面放开贷款利率管制后，2014年11月央行下调了金融机构人民币存贷款基准利率，2015年3月1日又再一次上调存款利率浮动区间至基准利率的1.3倍，这一举动表明我国的利率市场化改革正在提速并逐渐进入深水区。人民币利率市场化的新任务将是放开存款利率上限，并形成新的存贷款基准利率机制。我国商业银行在利率市场化的冲击下，以利差收入为主的盈利模式受到了极大的挑战，商业银行的资金来源和资金成本将会受到很大影响。为了在竞争中求生存、促发展，商业银行如何转变盈利模式应当作为一项重要的研究课题。本文研究了利率市场化和商业银行盈利模式理论，对转轨经济国家和西方发达国家商业银行在不同程度的利率市场化水平下的盈利模式分别做出总结，分析利率市场化改革对我国商业银行盈利模式的影响和我国商业银行盈利模式现状，结合外国先进商业银行在已经完成的利率市场化改革中积累的经验和教训，通过面板数据模型实证分析我国商业银行盈利能力的影响因素与盈利能力的相关性，最后在前文研究的基础上提出基于利率市场化的我国商业银行转变盈利模式的对策建议。我国商业银行要转变传统的利差主导型盈利模式，逐渐过渡为非利差主导的多元化的盈利模式。对此，商业银行必须加大金融创新，提高中间业务的竞争力；优化信贷结构，推动传统业务均衡发展；提高商业银行风险管理能力；提高商业银行产品的定价能力；建立品牌意识，加强品牌宣传；对于我国不同类型的商业银行，也应采取差异化定位的对策实现盈利模式转型；还应放宽视野，提高商业银行的国际化程度。同时，，商业银行盈利模式受到经济环境的影响，可以通过强化其市场主体地位，完善市场体系为商业银行金融创新和改革提供一个良好的外部环境。银行监管部门也要加强审慎监管，完善监管法规。此外，还需要加强商业银行公司治理水平，提高风险管理能力。
[Abstract]:Interest rate marketization is an important part of China's current financial reform, Ren Wuzhi. Following the full deregulation of lending rates in July 2013, the people's Bank of China lowered the RMB deposit and loan benchmark interest rate of financial institutions on November 2014, and on March 1st 2015 again raised the floating range of deposit rates to 1.3 times the benchmark interest rate. The move indicates that China's interest rate marketization reform is accelerating and is gradually entering deep water areas. The new task of RMB interest rate marketization will be to liberalize the upper limit of deposit interest rates. Under the impact of the marketization of interest rate, the profit model, which is dominated by interest margin income, has been greatly challenged. In order to survive and promote the development of commercial banks, how to change the profit model of commercial banks should be an important research topic. This paper studies the theory of interest rate marketization and commercial bank profit model, and summarizes the profit models of commercial banks in transition economies and western developed countries under different levels of interest rate marketization. This paper analyzes the influence of the interest rate marketization reform on the profit model of commercial banks in China and the present situation of the profit model of commercial banks in China, combining with the experience and lessons accumulated by foreign advanced commercial banks in the interest rate marketization reform that has been completed. This paper empirically analyzes the correlation between the influencing factors of commercial banks' profitability and their profitability through panel data model, and finally puts forward the countermeasures and suggestions for the transformation of the profit model of Chinese commercial banks based on the marketization of interest rates on the basis of the previous research. The commercial banks of our country should change the traditional profit mode of interest margin leading, and gradually transform into the diversified profit mode dominated by non-interest rate. In view of this, commercial banks must increase financial innovation, improve the competitiveness of intermediate business, optimize the credit structure, Promote the balanced development of traditional business; improve the ability of commercial bank risk management; improve the pricing ability of commercial bank products; establish brand awareness, strengthen brand publicity; for different types of commercial banks in China, At the same time, the profit model of commercial bank should be influenced by the economic environment, which can be strengthened by strengthening its market position. Perfecting the market system provides a good external environment for the financial innovation and reform of commercial banks. The banking regulatory authorities should also strengthen prudential supervision and perfect regulatory regulations. In addition, it is also necessary to strengthen the corporate governance level of commercial banks. Improve risk management skills.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33;F830.42

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