商业银行如何面对利率市场化18sgyneb.docVIP

山东大学 硕士学位论文 商业银行如何面对利率市场化 姓名：许莉莉 申请学位级别：硕士 专业：金融学 导教师：梁树新策首先，要建立完善的风险管理机制。在建立完善的内控机制的同时，实行以 利率为中心的资产负债管理模式，并加强利率风险管理人才的培养》其次，大力 发展中间业务，注重金融创新，全面实施集约化的经营管理战略。第三，建立科 学高效的金融产品定价体系，完善金融市场外部机制。 关键词：利率市场化；商业银行；冲击；应对策略 ABSTRACT Since the financial development and financial deepening theory was advanced, interest rate liberation tide that interest rate level is determined by the relation between supply and demand in tiie capital market sweeps across the whole world. Several developed countries such as USA and Japan，and several developing countries and regions such as Latin America and Asia carry out interest rate liberation reform one after another Every country deregulates interest or abolishes the regulation of interest in different degree. This article researches systematically long, gradual interest rate liberation process with various financial innovations in USA, interest rate liberation process and the impact on financial institution in Japan, interest rate liberation process and the impact on financial institution in several countries of Latin America, interest rate liberation process and the impact on financial institution in some countries and regions of Asia, and the advantages and disadvantages of the method of phasing interest rate liberation in Taiwan. Based on learning from lessons of other coimtries, and under the guidance of interest theory of Keynesian school, and related classical theory such as the financial development and financial deepening theory, interest rate liberation in China is being carried out. Based on different stages and different interest institutional factors, this article researches interest rate liberation process in China, As a whole, interest rate liberation process in China is divided into four stages. In every stage, every institutional factor has different reflections, for example, interest rate level，interest rate structure, formation mechanism, management mechanism, the impact of interest rate on investment, the impact