论利率市场化对商业银行的影响和政策建议.pdf

论利率市场化对商业银行的影响及政策建议 中文摘要 论利率市场化对商业银行的影响及政策建议 中文摘要 20 世纪80 年代以来，经济一体化、金融自由化浪潮席卷全球，到目前为止世界 上许多国家都已实现了利率市场化，这有力促进了世界经济的发展。 改革开放以来，我国长期致力于金融改革。90 年代以后，我国的金融改革尤其 是利率改革加快了步伐，目前我国正处于从长期利率管制到全面利率市场化的过渡阶 段。随着利率市场化进程的加快，商业银行在面对利率市场化的冲击下，免不了会遇 到一系列问题。 本文基于麦金农和爱德华肖于20 世纪70 年代提出的金融自由化的相关理论，首 先指出了利率市场化对商业银行的发展有着重要的影响；其次，通过对美国、日本和 阿根廷利率市场化的介绍，为我国的利率市场化进程提供借鉴经验。然后，通过相关 数据，对我国商业银行的经营现状进行描述；再次，论述利率市场化对商业银行的影 响，包括积极的影响和消极的影响；最后提出相应的政策建议，为我国商业银行应对 利率市场化及稳定发展提供借鉴。 关键词：商业银行 利率市场化 利率风险 作 者：宋家鑫 指导老师：钱晓松 I Abstract The Influence of Interest-Rate Marketization of Commercial Banks And Policy Recommendations The Influence of Interest-Rate Marketization of Commercial Banks And Policy Recommendations Abstract Since twenty century eighties, the tide of economic integration and the financial liberalization has swept the whole world. Up to now almost all of countries in the world have completed the interest-rate marketization, which has promoted the development of world economy. Since the Chinese Economic Reform, our country has been working on financial reform in long term. Since the 1990s, the financial reform in our country has been speed up, especially the deregulation of interest rates. China is in a transitional phase from a long-term interest rate control to the full interest rate liberalization at the moment. As the process of interest rate liberalization, the commercial bank will unavoidably face serious problems under the impact of interest rate liberalization. Based on the theories of financial deregulatio