中国利率市场化改革的思考.docVIP

中南财经政法大学辅修双学位 学士学位论文 成绩 题目： 中国利率市场化改革的思考 主修学校 中南民族大学 专业年级 法学2010级 辅修学校 中南财经政法大学 辅修专业、班级 经济学(贸易金融方向) 学生姓名 蓝楚楚 学 号 指导教师 刘绮霞 2014 年 06 月 30 日 作者声明 本毕业论文（设计）是在导师的指导下由本人独立撰写完成的，没有剽窃、抄袭、造假等违反道德、学术规范和其他侵权行为。对本论文的研究做出重要贡献的个人和集体，均已在文中以明确方式标明。因本毕业论文引起的法律结果完全由本人承担。 毕业论文成果归中南财经政法大学所有。 特此声明。 作者学号 ： 作者签名 ： 日 期 年 月 日 中国利率市场化改革的思考 蓝楚楚 Reflections on Chinas interest rate reform Lan, Chu Chu 2014年月日应对利率市场化形势提高风险控制能力化；；Abstract Chinese economic reform has entered a deep water area, China interest rate reform also involves the final stage - the deposit rate reform. 2014 New Year, at Alibaba balance treasure and Tencent micro-letters Money and other online financial shocks, such as ICBC and China Construction Bank have announced five major banks to raise deposit interest, but still can not stop the huge deposits drain. China interest rate reform to play a decisive role of the market in allocating resources, and promote financial institutions to improve self-management mechanism, enhance competitiveness, improve service capability is important, but also improve the effectiveness of monetary policy on the basis of sex work. This is undoubtedly good news for businesses and many depositors, the commercial banks are both opportunities and challenges. Banks will shuffle into orderly competition and will also bring changes in the traditional business model. Conduct research on Chinas interest rate reform, interest rates of commercial banks to deal with the market situation, improve risk control, change the traditional mode of operation is of great significance. This paper argues that, on the Reform of the Chinese market interest rates, a lot of research from the Chinese financial sector to promote the development of the banking sector and maintaining financial security point of view, often overlooked from the interests of the Chinese SME development and to protect depositors and loan depositors. The devel