利率市场化改革对商业银行管理的效应分析-农业经济管理专业论文.docxVIP

摘 要 利率市场化改革给我国商业银行管理提出了新的课题 在外部金融 开放和内部诸多问题的双重压力下 我国商业银行管理的改革势在必 行 近几年中央银行采取了各种措施改善商业银行的治理结构和管理体 制 为我国商业银行管理改革营造了有利的外部环境 在这种情况下 研究商业银行如何抓住机遇 优化内部微观管理 有很强的现实意义 本文围绕利率市场化对我国商业银行管理的效应这一中心 借鉴 了国外利率市场化和商业银行管理的理论和实践 结合我国利率市场化 的经验 辩证地分析了利率市场化和商业银行管理的相互关 系 以商业 银行管理的盈利性 安全性和流动性三个目标作为出发点和归宿 借助 金融统计数据 从商业银行的资产负债管理 风险管理和定价管理三方 面 理论结合实际 深入地分析了利率市场化对我国商业银行管理的影 响 并针对现实中存在的问题 提出了相应的对策和建议 关键词 利率市场化 商业银行管理 效应 Analysis on Effect of Interest Rate Marketization Reform on Commercial Bank Management Zhang Jianlei (Agricultural Economy Management) Supervised by Professor Chen Tong Abstract The interest rate marketization reform has brought some new requirements for the commercial bank management in our country. Confronted the double pressures of many internal problems and the external financial opening, China s commercial banks are urged to reform themselves. In recent years, the Central Bank has taken measures to improve the managerial mechanism and structure of the commercial banks. In this case, it is of a great practical significance to study how to grasp the chance and better their internal management. This essay revolves around the center of the effect of the interest rate marketization on China s commercial bank management. Compared with the foreign theories and practices on the interest rate marketization and the commercial bank management, combined with the experience of China s interest rate marketization, the essay organically analyzes the mutual relationship between the interest rate marketization and the commercial bank management. This essay takes the three aims of profitability, safety and liquidity in the commercial bank management as its motivation and purpose, and with the help of the financial statistic data, analyses theoretically and practically the asset liability management, the risk management and pricing management in China s commercial banks. In addition, the essay puts forward t