利率市场化下我国中小商业银行的机遇与挑战毕业论文-应用文.docVIP

利率市场化下我国中小商业银行的机遇与挑战 摘要 现今中国银行业的金融环境已发生巨大改变，金融改革加速推进着我国金融业向金融深化阶段发展。在近期出台的贷款利率市场化更是一股浪潮，会强化市场经营。给我国中小银行带来许多的挑战和压力。本文研究我国利率市场化的发展，并且探讨了适合我国中小银行的应对策略，以此来确保中小银行在这一新环境中如何实现可持续的和稳健的发展。 本文分四章来论述论利率市场化条件下我国中小商业银行的机遇与挑战。第一章是引论，包括问题的提出、国内外研究现状、研究内容与结构、研究思路与研究方法。第二章是阐述利率市场化的内涵及发展历程。第三章是阐述目前我国中小商业银行的优势以及劣势和论述利率市场化条件下我国中小商业银行的机遇与挑战。第四章是商业银行应对利率市场化的对策思考。 关键词：利率市场化 中小银行 问题 对策 ABSTRACT The Chinese banking financial environment has had the huge change， the financial reform to accelerate financial sector of our country to deepen financial development stage. And the recent introduction of the loan interest rate liberalization also brought a wave of strengthening market management， to our bank， especially brings a series of challenges and pressure of small and medium banks. Research on the development of Chinas market-oriented interest rate in this paper， and discusses the strategies of medium and small banks in our country， in order to ensure that small and medium-sized banks how to achieve sustainable development and healthy in the new environment. This paper is divided into four chapters to discuss the opportunities and challenges of small and medium sized commercial banks in China under the condition of interest rate marketization. The first chapter is the introduction， including the proposed， research status at home and abroad， research content and structure， research ideas and research methods of. The second chapter is the exposition of the connotation and development process of the marketization of interest rate. The third chapter is explained the advantage of small and medium sized commercial banks in China at present and disadvantages. The third chapter is the opportunity and challenge of Chinese medium and small commercial banks on the interest rate market conditions. The last chapter is the countermeasures to deal with the interest rate market of commercial bank. Key words the marketization of interest rate small and medium sized banks