利率市场化环境下内蒙古银行存贷款定价管理研究
发布时间：2018-12-13 23:34
【摘要】：近年来国家加快了利率市场化改革推进步伐,2013年初央行正式放松对贷款利率下限管制后,同业间大额定期可转让存单在近期也正式启动。此举说明我国已经进入了利率完全市场化的冲刺阶段,人民币利率市场化进程进一步深化,这一改革为商业银行的盈利能力、业务发展和经营策略等方面带来了很多的影响和严峻的风险考验。本文详细阐述了利率市场化研究得背景和意义,介绍了我国利率市场化的发展进程,并以内蒙古银行为例,采用了规范分析方法与实证分析方法相结合,重点研究中小银行存贷款业务的定价原则和现状,即由于自有资金不多,吸储能力不强,短期内将可能会遇到一定的困难和问题。并通过分析和借鉴西方发达国家银行在利率市场化改革过程中的应对经验,结合现阶段我国利率市场化改革的进程,深入研究分析内蒙古银行现阶段存贷款结构对利率定价的影响,探索内蒙古银行在应对利率市场化过程中应采取的存贷款定价方式方法,并通过相关实际案例进行深入剖析,提出了内蒙古银行在利率市场化过度时期和成熟期存款定价方法,以价格领导定价、确定贷款定价区间、通过客户盈利能力和综合贡献度确定最终贷款定价管理的解决办法,以及其他方面的有效应对策略,提出经营战略、利率风险管理、定价模式和紧贴宏观政策等相应的管理建议和可行性措施,以期为中小银行提供合理的理论支持。
[Abstract]:In recent years, the government has accelerated the pace of interest rate marketization reform. After the central bank formally relaxed the lower limit of loan interest rate in early 2013, the large number of fixed term transferable deposit certificates of deposit in the same trade also officially launched in the near future. This shows that China has entered the stage of complete marketization of interest rates, and the process of marketization of RMB interest rates has been further deepened. This reform has become the profitability of commercial banks. Business development and business strategy have brought a lot of impact and severe risk test. This paper elaborates the background and significance of the interest rate marketization research, introduces the development process of interest rate marketization in China, and takes Inner Mongolia Bank as an example, combines the normative analysis method with the empirical analysis method. This paper focuses on the pricing principle and present situation of deposit and loan business in small and medium-sized banks, that is, due to the lack of its own funds and the weak ability of absorbing and storing, it may encounter certain difficulties and problems in the short term. By analyzing and drawing lessons from the experiences of banks in western developed countries in the process of interest rate marketization reform, and combining with the process of interest rate marketization reform in our country at present, This paper deeply studies and analyzes the influence of deposit and loan structure of Inner Mongolia Bank on interest rate pricing, probes into the methods of deposit and loan pricing that should be adopted by Inner Mongolia Bank in the process of dealing with the marketization of interest rate, and makes an in-depth analysis through relevant practical cases. The paper puts forward the deposit pricing method of Inner Mongolia Bank in the transitional period and mature period of interest rate marketization, pricing with price leadership, determining loan pricing interval, and determining the solution of final loan pricing management through customer profitability and comprehensive contribution. And other effective countermeasures, such as management strategy, interest rate risk management, pricing model and macro policy, are put forward in order to provide reasonable theoretical support for small and medium-sized banks.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2;F832.4
本文编号：2377459
[Abstract]:In recent years, the government has accelerated the pace of interest rate marketization reform. After the central bank formally relaxed the lower limit of loan interest rate in early 2013, the large number of fixed term transferable deposit certificates of deposit in the same trade also officially launched in the near future. This shows that China has entered the stage of complete marketization of interest rates, and the process of marketization of RMB interest rates has been further deepened. This reform has become the profitability of commercial banks. Business development and business strategy have brought a lot of impact and severe risk test. This paper elaborates the background and significance of the interest rate marketization research, introduces the development process of interest rate marketization in China, and takes Inner Mongolia Bank as an example, combines the normative analysis method with the empirical analysis method. This paper focuses on the pricing principle and present situation of deposit and loan business in small and medium-sized banks, that is, due to the lack of its own funds and the weak ability of absorbing and storing, it may encounter certain difficulties and problems in the short term. By analyzing and drawing lessons from the experiences of banks in western developed countries in the process of interest rate marketization reform, and combining with the process of interest rate marketization reform in our country at present, This paper deeply studies and analyzes the influence of deposit and loan structure of Inner Mongolia Bank on interest rate pricing, probes into the methods of deposit and loan pricing that should be adopted by Inner Mongolia Bank in the process of dealing with the marketization of interest rate, and makes an in-depth analysis through relevant practical cases. The paper puts forward the deposit pricing method of Inner Mongolia Bank in the transitional period and mature period of interest rate marketization, pricing with price leadership, determining loan pricing interval, and determining the solution of final loan pricing management through customer profitability and comprehensive contribution. And other effective countermeasures, such as management strategy, interest rate risk management, pricing model and macro policy, are put forward in order to provide reasonable theoretical support for small and medium-sized banks.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2;F832.4
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