阜新银行应对利率市场化策略研究

发布时间：2018-03-26 15:33

本文选题：利率市场化　切入点：结构调整　出处：《辽宁工程技术大学》2014年硕士论文

【摘要】：利率市场化改革是当前我国金融改革的重要内容,是一项复杂而系统的工程,对银行业可谓机遇与挑战并存,但对中小型商业银行的冲击和挑战将更为严峻。通过对阜新银行经营现状的分析,从业务发展和内部管理两个层面深入剖析了利率市场化对阜新银行产生或即将产生的影响,分析了这些影响形成的原因,并提出应对策略。利率市场化对阜新银行业务发展的影响可概括为对业务结构、客户结构和收入结构的影响,对内部管理的影响主要体现在资产负债管理、规模效益管理、利率风险管理和定价能力管理方面。论文通过SWOT分析法探讨了利率市场化条件下阜新银行自身的优势劣势、面临的外部机会和威胁,得出了应对的思路和方向。最后,针对各方面的影响,提出了阜新银行应对利率市场化改革的对策建议和保障机制,包括结构调整策略、风险管理策略、业务定价策略。通过研究,尝试为阜新银行探索一套适合自身发展的利率市场化应对措施。
[Abstract]:The reform of interest rate marketization is an important content of the current financial reform in our country, and it is a complex and systematic project, which can be described as an opportunity and a challenge to the banking industry. However, the impact and challenge to the small and medium-sized commercial banks will be more severe. Through the analysis of the current operation situation of Fuxin Bank, this paper deeply analyzes the impact of interest rate marketization on Fuxin Bank from the two aspects of business development and internal management. This paper analyzes the causes of these influences, and puts forward some countermeasures. The influence of interest rate marketization on the development of Fuxin bank business can be summarized as the influence on business structure, customer structure and income structure. The impact on internal management is mainly reflected in asset liability management, scale benefit management, interest rate risk management and pricing ability management. This paper discusses the advantages and disadvantages of Fuxin Bank under the condition of interest rate marketization through SWOT analysis. Finally, in view of the influence of various aspects, the author puts forward the countermeasures and guarantee mechanism of Fuxin Bank to deal with the marketization of interest rate, including the strategy of structural adjustment. Risk management strategy, business pricing strategy. Through research, we try to explore a set of interest rate marketization countermeasures for Fuxin Bank.
【学位授予单位】：辽宁工程技术大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F832.5

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