商業(yè)銀行應(yīng)對利率市場化對策的研究

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目 錄
摘要 1
Abstract 2
第1章 利率市場化概述及其在我國的進(jìn)程 3
1.1 利率市場化概述 3
1.1.1 利率市場化的含義 3
1.1.2 利率市場化改革的目標(biāo)與思路 4
1.2 我國利率市場化的進(jìn)程 4
第2章 利率市場化給我國的商業(yè)銀行帶來的影響 7
2.1 利率市場化給我國商銀行帶來的機(jī)遇 7
2.1.1 有利于擴(kuò)大商業(yè)銀行的經(jīng)營自主權(quán) 7
2.1.2 有利于推動商業(yè)銀行經(jīng)營戰(zhàn)略轉(zhuǎn)型 7
2.1.3 有利于為商業(yè)銀行創(chuàng)造更加規(guī)范的經(jīng)營環(huán)境 8
2.2 利率市場化給商業(yè)銀行帶來的挑戰(zhàn) 8
2.2.1 存貸利差壓窄，盈利性風(fēng)險(xiǎn)增加 8
2.2.2 不良貸款增加，信用風(fēng)險(xiǎn)增大 9
2.2.3 流動性風(fēng)險(xiǎn)增加，行業(yè)競爭加劇 10
2.2.4 不規(guī)范經(jīng)營增多，聲譽(yù)風(fēng)險(xiǎn)加大 11
第3章 當(dāng)前國內(nèi)商業(yè)銀行應(yīng)對利率市場化存在的突出問題 12
3.1 中間業(yè)務(wù)發(fā)展亟待加強(qiáng) 12
3.2 資金定價(jià)能力明顯不足 13
第4章 我國商業(yè)銀行應(yīng)對利率市場化的對策建議 14
4.1 發(fā)展中間業(yè)務(wù)，加快金融創(chuàng)新 14
4.2 提高資金定價(jià)能力，降低貸款信用風(fēng)險(xiǎn) 15
4.3 積極增強(qiáng)流動性風(fēng)險(xiǎn)應(yīng)對能力 16
4.4 強(qiáng)化宏觀審慎監(jiān)管能力建設(shè) 17
結(jié)束語 19
參考文獻(xiàn) 20


[摘要]從1996年人民銀行放開銀行間同業(yè)拆借利率到2013年7月央行放開貸款利率下限，我國的利率市場化進(jìn)程已經(jīng)過半。然而，隨著利率市場化改革的逐步深入，商業(yè)銀行也面臨著更為復(fù)雜的經(jīng)營環(huán)境，可謂機(jī)遇和挑戰(zhàn)并存。本文通過對利率市場化的概述、利率市場化對商業(yè)銀行的影響以及商業(yè)銀行應(yīng)對利率市場化的突出問題進(jìn)行分析，試圖提出商業(yè)銀行應(yīng)對利率市場化的對策建議。利率市場化有利于擴(kuò)大商業(yè)銀行的經(jīng)營自主權(quán)，有利于推動商業(yè)銀行經(jīng)營戰(zhàn)略轉(zhuǎn)型，有利于為商業(yè)銀行創(chuàng)造更加規(guī)范的經(jīng)營環(huán)境。同時(shí)，商業(yè)銀行也需要認(rèn)識到利率市場化巨大利益背后的風(fēng)險(xiǎn)，只有大力發(fā)展中間業(yè)務(wù)，提高資金定價(jià)能力，加強(qiáng)流動新風(fēng)險(xiǎn)管理，完善金融監(jiān)管體制，商業(yè)銀行才能在利率市場化的市場環(huán)境中生存和發(fā)展。

[關(guān)鍵詞]利率市場化；商業(yè)銀行；對策


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