利率市场化对CD银行经营风险影响研究

发布时间：2018-03-17 03:15

本文选题：利率市场化　切入点：经营风险　出处：《西北大学》2015年硕士论文　论文类型：学位论文

【摘要】：近年来,随着利率市场化不断蔓延至实体经济各个领域,我国政府领导人及政策层面多次提出,推进利率市场化是加快中国金融体制改革、稳增长和调结构的重要举措。金融机构作为经济实体的核心命脉,在当前利率市场化改革进程中,银行内部经营模式势必会受到利率市场化的影响。同时,我国监管部门也通过加强市场制度建设,改善资源配置的市场机制,进一步加强利率市场化改革,为保持我国经济稳定增长创造良好的金融环境。利率市场化改革的不断深入和推进将持续干涉到我国经济发展和银行业货币市场,如何合理配置货币资金,引导大量资金进入合理规划范畴,打造公平、自由的货币利率规则,通过利率市场化刺激银行、企业及个人的积极性,抢占货币成本先机,争夺货币资本市场是时代的必然。利率市场化给我国金融机构带来了全面影响和挑战。面对货币成本与盈利空间的选择,银行间的货币竞争是利率市场化的具体体现。作为我国政策性金融机构的CD银行,在利率市场化改革过程中,也将面临流动性、市场性及信用性风险。本文以CD银行为例,通过对利率市场化相关理论的综述,并对该行现行的货币经营风险体系进行阐述,重点分析了利率市场化前后对该银行经营风险的影响,并从规划设计、资金筹措、市场建设、风险管控等方面提出了应对策略,以便实现CD银行可持续盈利。
[Abstract]:In recent years, with the spread of interest rate marketization to various areas of the real economy, our government leaders and policy level have repeatedly proposed that promoting marketization of interest rates is to speed up the reform of China's financial system. Important measures to stabilize growth and adjust structure. As the core lifeline of economic entities, financial institutions are bound to be influenced by interest rate marketization in the current interest rate market-oriented reform process. China's regulatory authorities have also strengthened the market-oriented interest rate reform by strengthening the construction of market systems and improving the market mechanism for resource allocation. In order to maintain the stable growth of our country's economy, we should create a good financial environment. The deepening and pushing forward of the market-oriented interest rate reform will continue to interfere with the development of our economy and the money market of the banking industry, how to allocate the money funds reasonably, To guide a large number of funds into the scope of rational planning, to create fair and free rules on monetary interest rates, to stimulate the enthusiasm of banks, enterprises and individuals through the marketization of interest rates, and to seize the first chance of monetary costs. It is inevitable for the times to compete for the money capital market. The interest rate marketization has brought the overall influence and the challenge to our country's financial institutions. Faced with the choice of money cost and profit space, The monetary competition among banks is the concrete embodiment of interest rate marketization. As a policy-oriented financial institution in China, CD Bank will also face liquidity, market and credit risks in the process of interest rate marketization reform. This paper takes CD Bank as an example. By summarizing the relevant theories of interest rate marketization, and expounding the current currency management risk system of the bank, the paper analyzes the influence of interest rate marketization on the management risk of the bank, and from the aspects of planning and design, financing, market construction. Risk management and other aspects of the response strategy in order to achieve sustainable profit CD bank.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.5;F832.33

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