利率市场化对我国商业银行盈利能力的影响
毕业论文关键词：利率市场化 商业银行 盈利能力
The Impact of Interest Rate Marketization on the Profitability of China 's Commercial Banks
Abstract：In recent years, with the interest rate market reform continues to advance, the entire financial industry has undergone profound changes, its impact on commercial banks is particularly evident, directly reflected in the commercial bank profitability changes. Many scholars at home and abroad have analyzed and researched the impact of interest rate marketization on the profitability of commercial banks and made some achievements. On the basis of the above, this paper uses the annual financial data of China's listed commercial banks from 2000 to 2015 as the sample, and analyzes the influencing factors of the profitability of commercial banks from the macro environment and the internal aspects of the bank, and then the mixed effect The model is the theoretical basis, and the factors that influence the profitability of commercial banks under the background of interest rate market are constructed. The empirical results show that the increase in deposit and loan margins, money supply and deposit and loan ratio will lead to the improvement of profitability of commercial banks. The impact of such non-performing loans in banks is negatively correlated with the profitability of commercial banks. With the advancement of interest rate marketization, deposit and loan spreads are narrowing gradually. In order to pursue the maximization of profits, commercial banks must adjust the profit model and adapt to the changes of the economic environment in order to improve their own profitability.
Key words: interest rate marketization ; commercial bank; profitability
摘要 1
关键词 1
Abstract 1
Key words 1
一、引言 2
二、文献综述 2
(一) 利率市场化相关理论的介绍 2
1、金融抑制理论 2
2、金融深化理论 2
3、金融约束理论 3
（二）利率市场化对商业银行盈利能力影响的相关研究综述 3
1、从盈利来源的角度研究 3
2、从风险承担的角度研究 3
3、从存款利率上升的角度研究 4
4、从存贷利差收窄和发展中间业务的角度研究 4
三、商业银行盈利能力影响因素的相关理论分析 4
（一）宏观经济因素对商业银行盈利能力的影响 4
1、宏观经济环境 4
2、市场结构 5
（二）经营内部因素对商业银行盈利能力的影响 5
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