利率市场化背景下商业银行的经营对策研究.doc

利率市场化背景下商业银行的经营对策研究

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［摘要］ 随着金融抑制论和金融深化论的提出，以美国和日本为代表的发达国家和拉美、亚洲等发展中国家和地区掀起了一场以金融自由化为主要内容的金融改革，它们纷纷放松对利率的管制，使其由市场供求决定。我国利率市场化改革正在缓慢推进。这场改革对市场经济体制还不够健全的我国影响深远，特别是商业银行将面临与以往不同的经济环境。本文首先对利率市场化进行概述，介绍了利率的相关理论、利率市场化的涵义并对已经实施利率市场化的几个典型国家进行分析。其次，具体分析我国利率市场化的情况，阐述了为什么要进行、怎样进行以及改革要解决哪些困难。再次，分析我国利率市场化给商业银行带来的正反两方面的影响。最后，关于商业银行如何在利率市场化中扬长避短给予对策建议。
［关键词］ 利率市场化；商业银行；影响；对策


Research on the commercial bank management countermeasures under the background of interest rate marketization
［Abstract］ With the theory of financial repression and financial deepening theory is put forward, represented by the United States and Japan developed countries and developing countries and regions such as Latin America, Asia set off a financial liberalization as the main content of financial reform, they have to relax restrictions on interest rates, and make its depended on market supply and demand. The interest rate marketization reform in our country is promoted slowly. And the reform of market economic system is not sound enough to influence in our country, especially the commercial banks will face a different economic environment. This paper outlined the interest rate marketization, introduces the relevant theories of interest rate and analysis of the counties that have completed the interest rate marketization. Secondly, concrete analysis of interest rate marketization in our country, expounds the why, how to reform and how to solve the problems. Again, interest rate marketization brings to the commercial banks in China the influence of the pros and cons. Finally, about how to foster strengths and circumvent weaknesses in the marketization of interest rate commercial banks to give countermeasures and Suggestions.

［Keywords］ Interest Rate Marketization；Commercial Bank；Influence；Strategy


目录
第1章 利率市场化概述 1
1.1 利率的概况 1
1.2 利率市场化的涵义 4
1.3 主要国家的利率市场化状况 5
第2章 我国利率市场化进程 11
2.1我国利率市场化的必要性 11
2.2我国利率市场化的历程与指数统计 13
2.3当前我国利率市场化面临的困难与障碍 18
第3章 利率市场化对我国商业银行经营的影响 20
3.1 利率市场化对我国商业银行经营带来的积极影响 20
3.2 利率市场化对我国商业银行经营带来的消极影响 21
第4章 我国商业银行应对利率市场化的策略 26
4.1 加强利率风险管理 26
4.2 建立合理的风险定价模式 28
4.3 完善商业银行公司治理制度 30
4.4 拓展商业银行中间业务 32
总结 34
参考文献 35