利率市场化条件下我国商业银行经营模式转型研究

发布时间：2018-01-19 10:40

本文关键词： 利率市场化商业银行风险控制经营转型　出处：《浙江大学》2017年硕士论文　论文类型：学位论文

【摘要】：利率市场化是全球金融一体化背景下的必然发展趋势,也是中国金融进一步完善和发展的客观要求。在利率市场化不断深入推进的过程中,商业银行所面对的风险和机遇并存。一方面,利率市场化是我国商业银行业务创新和加速转型的重要契机和助力；另一方面,利率市场化导致银行存贷利差减少、传统业务利润缩减,对传统经营模式造成了巨大的冲击,甚至可能在一定程度上影响银行体系的稳定性。因此,在我国利率市场化改革逐步推进的背景下,商业银行快速实现转型升级并不断创新自身金融业务,是当前适应市场并提高核心竞争力的一项重要而又艰巨的任务。本文首先对利率市场化的发展现状及相关理论背景进行描述分析。然后进行数据搜集,试图通过采用定量方法来研究利率市场化对我国上市商业银行经营的影响,明确利率市场化对我国不同类型商业银行经营绩效和业务结构的影响。随后,基于理论分析和实证检验结果,以及综合国内外在利率市场化实践过程中的实际举措,总结出转变传统经营理念,创新管理体制；优化利率风险管理流程,运用前沿管理防范；构建资产负债定价体系；大力推进金融创新,抓住利率市场化机遇等方面的举措和方法,为我国商业银行在利率市场化条件下的经营转型升级提供参考。
[Abstract]:Interest rate marketization is an inevitable trend under the background of global financial integration, and also an objective requirement for the further improvement and development of Chinese finance. On the one hand, the marketization of interest rate is an important opportunity and help to innovate and accelerate the transformation of commercial banks in China. On the other hand, the interest rate marketization leads to the decrease of deposit and loan interest margin and the reduction of traditional business profit, which has a huge impact on the traditional business model, and may even affect the stability of the banking system to a certain extent. Under the background of market-oriented interest rate reform in China, commercial banks rapidly realize the transformation and upgrade and constantly innovate their own financial business. It is an important and arduous task to adapt to the market and improve the core competitiveness. Firstly, this paper describes and analyzes the current situation of interest rate marketization and related theoretical background, and then carries on the data collection. This paper tries to use quantitative method to study the impact of interest rate marketization on the operation of listed commercial banks in China, and clarify the impact of interest rate marketization on the business performance and business structure of different types of commercial banks in China. Based on the theoretical analysis and empirical test results, as well as the domestic and foreign practical measures in the process of interest rate marketization, summed up the transformation of traditional business concepts, innovative management system; Optimize interest rate risk management process, use frontier management to prevent; Constructing asset-liability pricing system; The measures and methods of promoting financial innovation and seizing the opportunity of interest rate marketization provide references for the operation transformation and upgrading of Chinese commercial banks under the condition of interest rate marketization.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F832.5

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