摘要：自上世纪90年代开始，中国已经提出利率市场化改革的设想，在此期间也已取得显著成绩，货币市场，债券市场，外汇市场利率基本上达到了市场化的程度。仅在14年至15年之间，中国人民银行连续5次降低商业银行存贷款基准利率，并扩大利率的浮动范围高达1.5倍，表明我国对存贷款利率市场化改革进一步放开。利率市场化可以极大地提高金融系统效率，挖掘市场经济潜在动力。同样利率市场化也是一柄双刃剑，在给我国金融系统尤其是银行业带去前进动力的同时，我国现有的商业银行系统难免受到冲击，商业银行的绩效必然受到相应影响。50479

文章开始对国内外关于利率市场化的现阶段状态进行阐述，简介我国利率市场化的渐变过程，并分析研究利率市场化在改革过程中存在的一些问题；其中对我们国家的改革进程较为明显地进行梳理，并突出对建设银行的数据进行实证分析，同比利率市场化改革其他数据佐证，来说明利率市场化对我国商业银行绩效造成的影响。最后根据学者和本文研究结果，提出解决方案，合理提升商业银行绩效。

毕业论文关键词：利率市场化  商业银行绩效  建设银行

Analysis on the interest rate liberalization to performance of Commercial Banks----on the China Construction Bank

Abstract: Since 1990’s, it experiences over 20 years after China put forward the basic idea of interest rate liberalization reform. During this time, currency market, bond market and foreign currency market have almost get interest rate liberalization together. From 2014 to 2015, Central Bank had lowed interest rates five times and extended the scope of floating interest rate to 1.5 times. In other words, China wants to develop the interest rate liberalization reform further. The interest rate liberalization is a vigorous action of reforming financial system, increasing the efficiency of financial system and tapping the potential of market economy. Also, the act of interest rate liberalization has two sides at the same time. On the one hand, it would tap the potential of financial system. On the other hand, it would shock the system of commercial banks used at the moment and then, the performance of commercial banks would be improved by this action.

 First of all, in this paper , it illustrates the condition of the interest rate liberalization around the world, simple reviews the progress of our country’s interest rate liberalization reform. Secondly, the paper analyses some problems about doing the reform of foreign interest rate liberalization. With national conditions, the paper gives a full account of our country’s reform progress about interest rate liberalization reform. Third, the paper employs the empirical analysis about China Construction Bank especially, contrasting other data of rate liberalization reform during the same time, to prove the influence to our commercial banks. At last, assisted by other studies, the paper proposes some solutions about the possibilities for improvement.in commercial banks’ performance. 

Key Words：Interest rate liberalization,  Performance of commercial banks,  China Construction Bank

目　录　

一、引言 - 1 -

（一）研究背景及意义 - 1 -

（二）文献综述 - 2 -

1. 国外研究现状 - 2 -

2. 国内研究现状 - 3 -

（三）核心概念诠释 - 4 -

1.利率市场化 - 4 -

2.商业银行绩效 - 4 -