利率市场化对农发行存款业务影响研究

发布时间：2018-01-26 07:21

本文关键词： 利率市场化农业发展银行存款　出处：《新疆大学》2017年硕士论文　论文类型：学位论文

【摘要】：中国金融体制改革需要注重利率市场化,它能够增强金融调控力量、促进市场经济发展;是完善金融机构运营机制、促进金融支持实体经济的条件;也是发挥市场资源配置作用、提高企业竞争力的需要。从2013年7月贷款利率全面放开,到2015年10月存款利率放开,给银行业带来的冲击是巨大的。由于存款利率管制的放松,使得银行的盈利和营运能力受到挑战,存贷利差收入大幅减少,利率风险也进一步显现。我国唯一的一家农业政策性银行——中国农业发展银行,如何在市场化利率改革中抓住机遇,加快存款业务的拓展,本文对此进行了研究。本文首先阐明利率市场化定义,在我国的发展历程,指出利率对存款的影响;其次介绍了农发行办行宗旨、职能定位等总体情况,阐明农发行存款业务分类、范围、资金来源和规模,对农发行存款存在的问题进行了分析;紧接着利率市场化对农发行存款业务带来的冲击。提出通过实行利率市场化,调整农发行存款业务的发展方向,从完善存款定价机制、创新组织机制、强化系统建设、加快产品研发和人才培养等几个方面着手,本文具有一定的实际意义。
[Abstract]:The reform of China's financial system needs to pay attention to the marketization of interest rate, which can strengthen the power of financial regulation and promote the development of market economy. It is the condition of perfecting the operating mechanism of financial institutions and promoting financial support to the real economy; It is also the need to give full play to the role of market resource allocation and to improve the competitiveness of enterprises. From July 2013 to October 2015, the interest rate on loans was fully liberalized, and the deposit interest rate was liberalized on October 2015. The impact on the banking sector is enormous. Because of the deregulation of deposit interest rate, the profitability and operational ability of banks are challenged, and the income of deposit and loan interest spreads is reduced significantly. China Agricultural Development Bank, the only agricultural policy bank in China, how to seize the opportunity in the reform of market-oriented interest rate and accelerate the expansion of deposit business. Firstly, this paper clarifies the definition of marketization of interest rate, the course of development in our country, and points out the influence of interest rate on deposit. Secondly, the paper introduces the general situation, such as the purpose and function orientation of the Agricultural Development Bank, clarifies the classification, scope, source and scale of the deposit business of the Agricultural Development Bank, and analyzes the problems existing in the deposit of the Agricultural Development Bank. Then the impact of interest rate marketization on the deposit business of the Agricultural Development Bank is put forward. Through the implementation of marketization of interest rate, adjust the development direction of the deposit business of Agricultural Bank of China, improve the deposit pricing mechanism and innovate the organization mechanism. It is of practical significance to strengthen the system construction, accelerate the product research and development and personnel training and so on.
【学位授予单位】：新疆大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.5;F832.22

【参考文献】