利率市场化下我国商业银行理财业务发展探析.docVIP

我国商业银行理财产品与利率市场化之间的相互影响 利率市场化下我国商业银行理财业务发展探析 [摘 要] 近年来随着我国商业银行理财产品业务的发展，在我国利率尚未完全市场化的条件下，利率市场化倒逼着我国商业银行在盈利模式上、经营模式进行改革与转型。商业银行为了顺应利率市场化的潮流，在业务上进行了创新，开发了理财产品。银行理财业务始终受到利率市场化的影响，它的发展也是与利率市场化的进程有着比较紧密的联系的。同时，银行理财产品的发展对利率市场化本身又有促进的作用。它帮助银行突破了中央银行对存贷款利率的管制，具有利率传递者的作用，有利于利率市场定价机制的形成。作为利率市场化的探路者，银行理财业务整合了在银行间及信贷市场的传统优势，拓展了其在外汇市场、资本市场和衍生品市场的投资空间，为我国探索利率市场化定价提供了平台。 [关键词] 商业银行；理财业务；利率市场化 Financing Business Development of Chinas commercial banks under the interest rate market Abstract：With the development of Chinas commercial banks financial products business, in our country has not yet fully market-oriented interest rate conditions, the interest rate market fell forcing Chinas commercial banks in the profit model, business model for reform and transformation. Commercial bank interest rates in order to comply with the market trend in the business of innovation, the development of financial products. Bank financing business has always been the impact of the interest rate market, it is also associated with the development of the process of marketization of interest rates has more closely linked. At the same time, there to promote the role of the development of financial products to interest rate market itself. It has helped the bank to break the control of the central bank deposit and lending rates, with a pass rates role is conducive to the formation of the interest rate market pricing mechanism. As the interest rate market Pathfinder, bank financing business integration advantages of traditional banks and credit markets, expanding its presence in the foreign exchange markets, capital markets and derivatives for investment for China to explore the interest rate market pricing offers platform. Keywords：Commercial bank；Financial Services；Interest rate marketization 利率市场化下我国商业银行理财业务发展探析 PAGE \* MERGEFORMAT 18 绪论 选题背景 随着中国经济的高速发展，国内居民财富得到迅猛增长，居民银行存款水平持续提高。同时，国内居民财富得到迅猛增长也使得国内居民对金融市场认识的不断提高，居民的理财意识越来越强，希望手中持有的资产得到增值。在这种情况下，国内商业银行被人们赋予更多期望，更多的居民希望通过投资于银行的理财产品实现自有资产的保值与