利率市场化对我国商业银行的影响与应对措施.pdfVIP

I 中文摘要 作为金融市场中最基本的变量之一，利率的变化对整个金融市场甚至整个国民经济生 活都起着重要的影响作用。随着市场经济的逐步发展，利率管制在金融领域中的优势逐渐 消失，利率自由化的呼声渐渐高过了利率管制政策的辩护。当前关于利率的一个共识观点 就是利率应由市场来决定。目前，随着市场经济的发展,利率市场化进程正在我国稳步开 展和推进。 我国现有的商业银行绝大多数是从计划经济中一路经历市场改革、制度变换等风风雨 雨而走过来的，其经营模式和行为准则依现有的生存环境建立，在本次利率改革中受到了 巨大冲击。本文对国内外在此领域的相关研究进行了现状分析，在此基础上分析改革的必 要性和迫切性。以此入手，对伴随利率市场化改革而来的各个方面的影响进行了初步的了 解与分析。接下来，根据一些文献和参考资料，回顾了我国利率市场化改革的总体进程与 概况、我国目前改革的现状以用在这种情况下面临的种种问题。在发现问题之后结合实际 分析了利率市场化带给我国商业银行的影响，用大量的篇幅论述了利率市场化给商业银行 带来的机遇和挑战。最后，在以上分析的基础上，加上对利率市场化的调研分析，笔者对 如何应对利率风险问题进行了更多更广的思考，深入浅出，结合我国现阶段商业银行的实 际发展情况与面临的各种问题，从而最后提出调整经营业务模式、采用风险管理技术、利 用衍生工具、合理定价、加强金融创新等应对措施。 关键词： 利率市场化 影响 应对措施 万方数据 I I Abstract As one of the most basic variables in financial markets, interest rate plays an important role in the financial market and even the whole national economic life.With the gradual development of market economy, interest rate controls in the field of financial advantage gradually disappear, calls for liberalization of interest rate is higher than the interest rate control policy. As the consensus of the economy today, interest rate should be determined by the market.At present, the marketization of interest rate is planed an orderly way in China. The vast majority of our commercial bank is from the planned economy in a road through the reform, institutional transformation and groundless talk over, its business model and the code of conduct in accordance with the existing living environment to establish, in the interest rate reform will have been a tremendous impact. This paper studies on the domestic and abroad in this field were analyzed, the necessity and urgency of the reform on the basis of analysis. In order to start, to accompany the interest rate marketization reform in all aspects of the change of the preliminary understanding and analysis, there was a general framework. Next, I according to some documents and reference materials, and review the overall process of Chinas market-oriented interest rate