摘 要:随着我国经济水平的不断发展，我国对于银行利率的管制也慢慢放松，并逐渐向利率市场化过渡。在其发展的过程中会对我国中小型商业银行产生一定的冲击。因此，本文一方面分析了利率市场化过程中南京市中小商业银行受到的消极影响，即利率市场化对南京市中小型商业银行的经营能力，利率风险管理能力造成了冲击，同时，使得银行内部竞争压力加剧；另一方面，利率市场化对南京市中小商业银行也有积极影响，其促进了中小型商业银行中间业务的发展，有利于中小型商业银行进行金融产品和客户结构的调整，以及加快了南京市中小型商业银行对自身特点和优势的认知。在此基础上，本文也对南京市中小型商业银行的应对策略做出了讨论，认为南京市中小型商业银行应改变传统的经营模式，大力创新发展金融产品，以及完善自身的利率风险管制机制。64637

毕业论文关键词：利率市场化，中小型商业银行，影响，策略

Abstract：With the continuous development of China's economic level, China's interest rate for bank regulation also slowly relaxed, and gradually transition to the interest rate market. Small and medium sized commercial banks in China will have some impact in the course of its development. Therefore, this paper analyzes the one hand, interest rate risk management capabilities have impacted the same time, so that the internal bank increased competitive pressure; on the other hand, the interest rate market also had a positive impact on small and medium commercial banks in Nanjing, which promotes the development of small and intermediate business of commercial banks, in favor of small and medium sized commercial banks to adjust the structure of financial products and customers, and accelerate Small and Medium Business Bank of Nanjing on its own characteristics and advantages of cognition. On this basis, the paper also coping strategies Nanjing sized commercial banks made a discussion that small and medium sized commercial bank in Nanjing should change the traditional business model, to develop innovative financial products, as well as improve its interest rate risk control mechanisms 

Keywords: Interest rate market, small and medium commercial banks, influence, policy

目   录

1  引言 4

2  利率市场化概述 4

2.1  利率市场化的定义 4

2.2  利率市场化的改革进程 4

3  利率市场化对南京市中小商业银行的消极影响 5

3.1  中小商业银行的经营能力受到冲击 5

3.2  中小商业银行的利率风险管理能力下降 6

3.3  利率市场化会引发银行间的激烈竞争 6

4  利率市场化对南京中小商业银行的积极影响 7

4.1  中小商业银行自身经营模式的优势 8

4.2  促进中小商业银行的中间业务的发展 8

4.3  有利于优化金融产品和客户结构 9

5  利率市场化下南京中小商业银行的应对策略 9

5.1  改变传统的经营管理模式 9

5.2  大力创新发展金融产品 10

5.3  健全南京市中小商业银行利率风险管理机制 10