课程论文-我国利率市场化改革对商业银行经营的影响.doc

安徽大学 课程论文 题　　目：　 我国利率市场化改革对商业银行经营的影响　 学生姓名：　　　　 学号： 院（系）： 　经济学院　　 专业：　 金融学 入学时间：　 　2013　　　　　年　　　　　9　　 月 导师姓名： 　 职称/学位： 讲师 　 导师所在单位：　　 　安徽大学经济学院　　　　 完成时间：　 　　二O一五　　年　　 　五　　　月  我国利率市场化改革对商业银行经营的影响 摘 要 20世纪80年代以来，在布雷顿森林体系的瓦解的背景下，金融自由化的浪潮席卷世界。中国也在1996年正式开始了利率市场化改革的探索。利率市场化改革作为金融行业尤其是银行领域的一项重大改革，对商业银行的经营发展产生了举得的影响，即给商业银行带来了新的发展契机，也给商业银行带来了新的挑战和风险。如何有效应对利率市场改革的新形式，提高自身的经营管理水平，在日趋激烈的竞争环境中取胜是商业银行必须思考的重要问题。并且随着我国利率市场化改革的不断深化，对国内商业银行经营中的资产负债管理、风险管理、内部控制制度等各方面均产生了深远的影响。本文通过对利率市场化改革进程的回顾，重点分析了利率市场化给国内商业银行变革和发展的机遇以及面临的新的经营压力和风险挑战，进而探讨了在此新挑战形势下，商业银行应采取哪些应对措施 关键词：利率市场化；商业银行；改革；机遇；挑战 The influence of interest rate liberalization of commercial Banks in China Abstract Since the 1980 s, under the background of Breton woods system collapse, financial liberalization tide swept across the world. China also officially began market-oriented interest rate reform in 1996.Market-oriented interest rate reform as a major reform in the field of financial industry, especially the bank, has raised on the development of commercial Banks, namely to commercial Banks has brought the new development opportunity, also brought new challenges and risks to commercial Banks. How to effectively deal with new forms of interest rate market reform, to improve their management level, win in the increasingly fierce competition environment is an important problem of the commercial Banks have to think about. And with the constant deepening of market-oriented interest rate reform in our country, the domestic commercial bank management of assets and liabilities management, risk management, internal control system and so on various aspects have had a profound impact. With a review of the market-oriented interest rate reform process, this paper analyses the interest rate liberalization to domestic commercial bank reform and the development opportunity and face the new challenge and operation pressure and risk, and then discusses the challenges in this new situation, what