南财论文讲解.docVIP

南京财经大学本科毕业论文 学校代码：10327 学 号：1103090441 本科毕业论文（设计）  利率市场化对我国中小商业银行影响的研究 摘要：。 关键词：利率市场化中小商业银行挑战对策与建议 Interest rate market research on Chinas small and medium commercial banks Abstract: Interest rate market is a necessary measure to achieve our overall financial development, In the process of marketization of interest rates continue to advance the situation, and now already entered the most critical period of reform. In this process, the interest rate market for Chinas banking industry, especially small and medium commercial banks arising from the impact can not be ignored. This paper begins with an overview of market interest rates start till now briefly introduced the process of marketization of interest rates, has analyzed the pressure on small and medium commercial banks are now living environment, small and medium commercial banks at market-based interest rate advantage, and they face, and thus the gradual deepening suggestions and countermeasures healthy development of small and medium commercial banks. Keywords: Interest rate market , Small and Medium Banks, Challenge , Countermeasures and suggestions 目 录 二、文献综述 1 （一）国内外发展状况： 1 （二）研究内容： 2 （三）研究方法、手段及步骤： 2 三、利率市场化概况 3 （一）利率市场化的意义 3 （二）利率市场化的原因 3 （三）我国利率市场化的改革发展进程 3 四、利率市场化下我国中小银行的生存环境分析 4 （一）银行业机构整体发展稳定 4 （二）中小商业银行在银行业市场份额中占比偏低 5 （三）中小商业银行业务种类单一，利息收入依赖度高 7 （四）中小商业银行的利率风险管理难度大 8 五、中小商业银行在利率市场化过程中所面临的挑战 9 （一）加剧了银行间的竞争 9 （二）利差收入减少，盈利能力降低 10 （三）风险管理压力加大 11 （四）企业存款流失，资金成本不足 11 （五）利率市场化给中小商业银行的