阐释利率市场化对我国商业银行的影响与对策建议.docVIP

　　阐释利率市场化对我国商业银行的影响与对策建议 阐释利率市场化对我国商业银行的影响与对策建议 导读：目录引言·····················································2一、利率市场话概述······································3（一）利率市场化的含义···································3（二）我国利率市场化的进程······························4二、利率市场化对我国商业银行的影响······················5（一）利 目录 引言·····················································2 一、 利率市场话概述······································3 （一） 利率市场化的含义···································3 （二） 我国利率市场化的进程······························4 二、 利率市场化对我国商业银行的影响······················5 （一） 利率市场化对我国商业银行的消极影响················5 （二） 利率市场化对我国商业银行的积极影响················8 三、 利率市场化背景下我国商业银行的对策建议··············9 （一） 建立完善的利率风险内控机制，加强风险管理···········9 （二） 加快战略转型，转变收入增长方式·····················9 （三） 建立以效益为中心、高效协作的科学的商业银行产品定价体系···············································10 （四） 加强对商业银行的金融监管·························10 （五） 培养和引进利率风险管理人才，借鉴国外发达国家利率市场化的经验··········································11 结束语··················································11 　　　　利率市场化对我国商业银行的影响与对策建议 09级金融2班 邵熠 指导老师：李鹏 【概要】利率市场化在中国推行至今，为我国的经济带来了不少积极的影响。比如提高了资金配置效率，转变了微观主体的发展方式与经营机制，切实加大了各大商业银行间的竞争水平，同时也增强了银行的管理水平。但是，随着利率市场化的不断发展，它给我国各商业银行带来的弊端也逐渐凸现。在这样的背景下，剖析利率市场化对我国商业银行的影响，并针对不利影响及时提出对策便显得尤为重要。本文将针对以上的问题展开讨论。 【关键字】利率市场化；商业银行；利弊分析；对策建议 　　　　　　　　　　　　　　Abstract 　　The pursuing of interest rate liberalization in China brought a lots of positive effects. Such as improving the efficiency of asset allocation ,transforming the style of development and mechanism of operation of microcosmic subject , increasing the pectitiveness and management level of mercial banks of China. But e ,the malpractices easures of bad influence in time are very important in this background . This essay ercial bank ;Advantages and Disadvantages ;Suggestions 引言 　　利率市场化是一个国家金融体系乃至我国整体经济体系发展市场化水平高低的重要表现，利率市场化在中国推行的时间也已可追溯近二十年前，在这期间，利率市场化为我国商业银行带来了不少积极的影响