商业银行应对利率市场化对策的研究.doc
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商业银行应对利率市场化对策的研究,1.39万字原创毕业论文，仅在本站独家提交，大家放心使用目录摘要1abstract2第1章 利率市场化概述及其在我国的进程31.1 利率市场化概述31.1.1 利率市场化的含义31.1.2 利率市场化改革的目标与思路41.2 我国利率市场化的进程4第2章 利率市场化给我国的商业银行带来的...
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商业银行应对利率市场化对策的研究
1.39万字
原创毕业论文，仅在本站独家提交，大家放心使用
目 录
摘要 1
Abstract 2
第1章 利率市场化概述及其在我国的进程 3
1.1 利率市场化概述 3
1.1.1 利率市场化的含义 3
1.1.2 利率市场化改革的目标与思路 4
1.2 我国利率市场化的进程 4
第2章 利率市场化给我国的商业银行带来的影响 7
2.1 利率市场化给我国商银行带来的机遇 7
2.1.1 有利于扩大商业银行的经营自主权 7
2.1.2 有利于推动商业银行经营战略转型 7
2.1.3 有利于为商业银行创造更加规范的经营环境 8
2.2 利率市场化给商业银行带来的挑战 8
2.2.1 存贷利差压窄，盈利性风险增加 8
2.2.2 不良贷款增加，信用风险增大 9
2.2.3 流动性风险增加，行业竞争加剧 10
2.2.4 不规范经营增多，声誉风险加大 11
第3章 当前国内商业银行应对利率市场化存在的突出问题 12
3.1 中间业务发展亟待加强 12
3.2 资金定价能力明显不足 13
第4章 我国商业银行应对利率市场化的对策建议 14
4.1 发展中间业务，加快金融创新 14
4.2 提高资金定价能力，降低贷款信用风险 15
4.3 积极增强流动性风险应对能力 16
4.4 强化宏观审慎监管能力建设 17
结束语 19
参考文献 20
[摘要]从1996年人民银行放开银行间同业拆借利率到2013年7月央行放开贷款利率下限，我国的利率市场化进程已经过半。然而，随着利率市场化改革的逐步深入，商业银行也面临着更为复杂的经营环境，可谓机遇和挑战并存。本文通过对利率市场化的概述、利率市场化对商业银行的影响以及商业银行应对利率市场化的突出问题进行分析，试图提出商业银行应对利率市场化的对策建议。利率市场化有利于扩大商业银行的经营自主权，有利于推动商业银行经营战略转型，有利于为商业银行创造更加规范的经营环境。同时，商业银行也需要认识到利率市场化巨大利益背后的风险，只有大力发展中间业务，提高资金定价能力，加强流动新风险管理，完善金融监管体制，商业银行才能在利率市场化的市场环境中生存和发展。
[关键词]利率市场化；商业银行；对策
Measures of commercial banks to deal with interest rate liberalization
Abstract: Since 1996, the central bank release interbank rates to July 2013 the central bank let the lower limit of loan interest rate release, the interest rate liberalization process in China has more than a half. However, with the gradual deepening of the interest rate liberalization, commercial banks are also facing more complex environment which can be described as both opportunities and challenges are exist. Based on overview of the interest rate liberalization, the influence of interest rate liberalization to commercial banks and the problems of commercial banks to deal with the impact of the interest rate liberalization, I trying to raise measures of commercial banks to deal with interest rate liberalization.The the interest rate liberalization help expand operational autonomy of commercial banks, help promote the strategic restructuring of operations of commercial banks, help to create a mores standardize operating environment for commercial banks.Meanwhile, commercial banks also need to recognize the risk of the interest rate liberalization, only to develop intermediary business, improving funds pricing ability,strengthening liquidity risk management, improve financial supervision system, commercial banks in the the interest rate liberalization environment survival and development.
Keywords: interest rate liberalization; commercial bank; countermeasures
1.39万字
原创毕业论文，仅在本站独家提交，大家放心使用
目 录
摘要 1
Abstract 2
第1章 利率市场化概述及其在我国的进程 3
1.1 利率市场化概述 3
1.1.1 利率市场化的含义 3
1.1.2 利率市场化改革的目标与思路 4
1.2 我国利率市场化的进程 4
第2章 利率市场化给我国的商业银行带来的影响 7
2.1 利率市场化给我国商银行带来的机遇 7
2.1.1 有利于扩大商业银行的经营自主权 7
2.1.2 有利于推动商业银行经营战略转型 7
2.1.3 有利于为商业银行创造更加规范的经营环境 8
2.2 利率市场化给商业银行带来的挑战 8
2.2.1 存贷利差压窄，盈利性风险增加 8
2.2.2 不良贷款增加，信用风险增大 9
2.2.3 流动性风险增加，行业竞争加剧 10
2.2.4 不规范经营增多，声誉风险加大 11
第3章 当前国内商业银行应对利率市场化存在的突出问题 12
3.1 中间业务发展亟待加强 12
3.2 资金定价能力明显不足 13
第4章 我国商业银行应对利率市场化的对策建议 14
4.1 发展中间业务，加快金融创新 14
4.2 提高资金定价能力，降低贷款信用风险 15
4.3 积极增强流动性风险应对能力 16
4.4 强化宏观审慎监管能力建设 17
结束语 19
参考文献 20
[摘要]从1996年人民银行放开银行间同业拆借利率到2013年7月央行放开贷款利率下限，我国的利率市场化进程已经过半。然而，随着利率市场化改革的逐步深入，商业银行也面临着更为复杂的经营环境，可谓机遇和挑战并存。本文通过对利率市场化的概述、利率市场化对商业银行的影响以及商业银行应对利率市场化的突出问题进行分析，试图提出商业银行应对利率市场化的对策建议。利率市场化有利于扩大商业银行的经营自主权，有利于推动商业银行经营战略转型，有利于为商业银行创造更加规范的经营环境。同时，商业银行也需要认识到利率市场化巨大利益背后的风险，只有大力发展中间业务，提高资金定价能力，加强流动新风险管理，完善金融监管体制，商业银行才能在利率市场化的市场环境中生存和发展。
[关键词]利率市场化；商业银行；对策
Measures of commercial banks to deal with interest rate liberalization
Abstract: Since 1996, the central bank release interbank rates to July 2013 the central bank let the lower limit of loan interest rate release, the interest rate liberalization process in China has more than a half. However, with the gradual deepening of the interest rate liberalization, commercial banks are also facing more complex environment which can be described as both opportunities and challenges are exist. Based on overview of the interest rate liberalization, the influence of interest rate liberalization to commercial banks and the problems of commercial banks to deal with the impact of the interest rate liberalization, I trying to raise measures of commercial banks to deal with interest rate liberalization.The the interest rate liberalization help expand operational autonomy of commercial banks, help promote the strategic restructuring of operations of commercial banks, help to create a mores standardize operating environment for commercial banks.Meanwhile, commercial banks also need to recognize the risk of the interest rate liberalization, only to develop intermediary business, improving funds pricing ability,strengthening liquidity risk management, improve financial supervision system, commercial banks in the the interest rate liberalization environment survival and development.
Keywords: interest rate liberalization; commercial bank; countermeasures
