利率市场化对商业银行经营的影响分析
毕业论文关键词：利率市场化；商业银行；建设银行
An Analysis of the Impact of Interest Rate Marketization on Commercial Banks
——Taking Construction Bank as an Example
Abstract
In 1996, interest rate reform was carried out in our country. Since then, interest rate reform carried out by domestic banks has been developing continuously. In the past 20 years, China has made certain achievements in this respect. Interest rate occupies an important position in the financial market, its financial markets have a strong regulatory role. At present, the central bank is to use the interest rate to the market for macro-control, interest rate adjustment can effectively achieve the reallocation of funds, the resources re-integration. In recent years, the domestic interest rate has been ups and downs, interest rates, whether rising or falling will bring some impact on commercial banks, especially smaller, reserve funds less commercial banks. Domestic banks are now in the face of fierce competition in the traditional business, but also against the market impact of interest rates. However, on the other hand, interest rate marketization has also brought development opportunities to our city commercial firms. Based on the actual data of Fujian Straits Bank and the influence of interest rate marketization on the business and operation of city commercial banks, this paper analyzes the impact on the city commercial banks as a whole, And then explore the strategy of China's city commercial banks to deal with the interest rate marketization.
Key Words：Interest rate marketization,Commercial banks,The Straits Bank
目录
1 引言 1
2 文献综述 1
2.1国内文献综述 1
2.2国外文献综述 2
3 利率市场化的一般理论问题 3
3.1利率市场化的含义 3
3.2利率市场化的意义 4
4 利率市场化对银行经营业务的影响分析 4
4.1国内利率市场化对银行一般业务影响 4
4.1.1对存款业务的影响 4
4.1.2对贷款的影响 5
4.2 利率市场化对我国商业银行的影响 8
4.2.1国内利率市场化对商业银行经营的影响 8
5 我国商业银行应对利率市场化的策略 10
5.1降低商业银行的经营成本 11
5.2大力度推进金融创新 11
5.3构建全面的利率风险管理流程系统 11
结论 12
参考文献 13
致谢 14
1 引言
近年来，国内银行在利率市场化背景下不断发展。利率发生变化直接影响的是金融市场之中的资金走向，所以央行可以通过利率控制实现金融市场资源配置的目的。二十世纪后期，自由化的金融思想在世界兴起，其带动了众多国家进行了利率变革。尽管我国利率变革比西方国家较晚一些，但这并不影响我国进行利率变革。时至今日，我国进行利率市场化改革也有二十年的时间，在这场变革之中我国也是取得了不俗的成绩，存款利率可以在不超过基准利率的范围内浮动。商业银行是金融市场之中扮演着间接融资的角色，其可直接贯彻执行央行规定的利率政策。根据国际利率变革来看，利率变革对世界各国金融市场都具有重要影响，而且，对各国商行影响更为深远。利率进行市场化革新就好比是一把“双刃剑”，对商业银行带来机遇的同时，也带了巨大挑战。国内央行近年来不断对利率进行宏观调控，这是对国内经济变革的进一步深化。但同时也使的各大银行倍感压力，尤其是规模较小、资金实力不高的商业银行面临的压力更大。当前，商业银行不断对以往金融业务进行调整与创新，同时还对客户群体进行了拓展。利率进行市场化变革虽然增加了银行产业之间的竞争，为商业银行带来了更大的风险，但是，其更为商业银行带来了新气象。
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