贷款利率市场化对青海省的影响.docVIP

毕业论文 题 目： 贷款利率市场化对青海省商业银行的影响 学 生 姓 名： 张以鲁 学 号： 1230504022 指 导 教 师： 苏 薇 专 业 年 级： 金融学 2012级 所在学院和系： 财经学院财政金融系 完 成 日 期： 2016年5月20日 答 辩 日 期： 2016年5月23日    贷款利率市场化对青海省商业银行的影响 摘要 利率市场化改革一直是我国经济发展的重要目标之一。自2013年7月20日开始，我国央行正式全面放开贷款利率的管制，取消了贷款利率下浮30%的限制，由金融机构自主设定贷款利率，实现了贷款利率的市场化定价。此项举措无疑标志着我国利率市场化改革迈进了重要的一步，加速了我国商业银行的转型。青海省金融市场处于成长时期，市场规模有限，市场机制并不健全，需要加以完善。本文着重研究贷款利率市场化改革导致的生利息收益与非利息收益变动反应青海省商业银行所受影响，并总结提出若干建议，大力倡导各家银行继续推行改革，开展金融创新，构建完善的经营管理机制，在激烈的竞争中取得优势。 关键词： 商业银行，利率市场化，贷款  IMPACT OF LOAN INTEREST RATE LIBERALIZATION ON COMMERCIAL BANKS IN QINGHAI PROVINCE Abstract Interest rate market reform has been one of the important goals of Chinas economic development. Since the beginning of July 20, 2013, the peoples Bank of China officially fully liberalized lending rate control, cancel the loan interest rate to float downward up to 30% of the limit, by financial institutions independently set lending rates, the market pricing of loan interest rates. This initiative marks the interest rate marketization reform of our country has taken an important step, to accelerate the transformation of Chinas commercial banks. Qinghai Province, the financial market is growing, the market size is limited, the market mechanism is not perfect, need to be improved. This paper focuses on the research of loan interest rate marketization reform leads to the interest income and non interest income changes in response to the Qinghai Province commercial bank is affected, summary and some suggestions are put forward, advocating banks continue to implement reforms, carrying out financial innovation, construction to improve the operation of the pipe mechanism and get the advantage in the fierce competition. Key Words：Bank , I