利率市场化下商业银行的风险管理分析.docVIP

目 录 1.课题研究的背景和意义 1 1.1 研究背景 1 1.2 研究意义 1 1.3 国内外研究现状 1 2.利率市场化的基本理论 2 2.1 市场利率化的定义 2 2.2 市场利率化理论基础 2 2.2.1 经济自由主义 2 2.2.2 金融自由化理论 2 2.2.3 金融约束理论 3 2.3 利率市场化进程 3 3.市场利率化过程中商业银行面临的风险分析 3 3.1 利率风险 3 3.2 信用风险 4 3.3 其它影响 5 4.利率市场化下商业银行风险管理策略 6 4.1 加快发展金融衍生工具 6 4.2 完善金融产品定价机制 6 4.3 大力发展中间业务 7 结束语 7 参考文献 8 摘 要 2013年，我国金融改革步伐加快，利率市场化是改革的一项重大内容，利率市场化在未来两年内有很大概率实现。利率市场化后，我国商业银行的发展环境将面临着巨大改变，商业银行会面临着各类未知的风险。商业银行如何应对金融业发展环境改变，保持自身健康发展，是商业银行面临的重大课题。本文指出了利率市场化的基本内涵，概况国内外了利率市场化的研究现状和相关理论基础，分析了利率市场化给商业银行造成风险及影响，提出了商业银行应对市场利率化的具体措施，对商业银行应对利率市场化具有一定的借鉴意义。 关键词：利率市场化；商业银行；风险管理 Abstract In 2013, the pace of financial reform in China is accelerated, the interest rate market is an important part of the reform, the interest rate market in the next two years there is a great probability of realization. After the interest rate market, the development environment of Chinas commercial banks will face a huge change, the commercial bank will face the risk of unknown. How to cope with the changing environment of the financial industry and the development of the financial industry, and to maintain the healthy development of the commercial banks, is a major issue facing the commercial banks. This paper pointed out the basic connotation of the interest rate marketization, situation home and abroad, the current research status of the marketization of interest rate and related theoretical basis, analysis of the interest rate market of commercial banks to cause risks and impacts, and puts forward some concrete measures for commercial banks to deal with market interest rates, commercial bank interest rates in response to market change has a certain reference. Key words：Marketization of interest rate；commercial bank；risk management 1