利率市场化对商业银行的影响及其应对策略研究-工商管理专业论文.docxVIP

02SM031 02SM031 李慧 利率市场化泊商业银行的影响及其应对策略研究 摘要 利率市场化是当前我国金融改革的重要内容。通过利率市场化改革，我国银行业 的经营环境得以改变，进而从外部推动银行自身进行变革，以适应金融全球化浪潮。 利率市场化改革的推进必然对我国银行的生存环境和经营管理产生重大影响，如何从 容应对利率市场化形势，提高利率风险管理水平，在日益开放的经营环境中立于不败 之地，己成为当前我国商业银行经营管理中的重要内容。 根据世界各国的经验和教训，利率市场化是一个相当复杂的系统工程，它影响面 广、涉及面大。商业银行作为金融体系的主要成员，更容易受到冲击，蕴藏风险。如 何防范和控制这些风险，是摆在商业银行面前的现实问题。 我国利率市场化改革己经经历了十来年的探索之路，利率体系市场化程度逐步提 高，目前，己经到了全面实现利率市场化的冲刺阶段。利率市场化后我国银行业的竞 争格局将会发生怎样的变化?利率市场化对商业银行的经营管理、业务发展、赢利能 力将会产生什么样的影响?本文试图对这些问题进行深入分析和研究，在此基础上提 出并阐述了商业银行应对利率市场化的主要策略，包括利率风险管理策略、定价管理 策略、结构重整策略等。希望能为银行管理层应对利率市场化趋势提供决策依据。 关键词:利率市场化:商业银行:对策研究 第 1 页 02SM031 02SM031 李慧 利率市场化对商业银行的影响及其应对策略研究 Abstract Interest rate liberaIization is one of the main issues for current Chinese financiaI reform. Banking sector environment will change with the interest rate liberalization ，which help banks implement their own reforms to meet the financiaI globalization. The liberalization will definitely have a significant impact on 也e bar业ing sector enviromnent and managemen t. How to handle the new liberaIization situation and improve interest rate risk management have bωome the core issues of Chinese banks survivaI in coming open-up. According to the successful and failure experiences worldwide，interest rate is a very complicated comprehensive engineer with far-and-broad reaching impact. As a key el臼nent of financial system，commercial b缸lks 缸e subject to the impact and potenti aI risks. ηlerefore，the practic aI main problem facing commercial banks is how to prevent and con柱。1 these risks It has been 10 years since our country started to explore the interest rate reform and the interest rate Jiberalization does improve a lot during that ten ye町s. At the moment ，we 缸E on the final sprint of overa1l 1iberaIization. How wil1 that change the current competition in banking sector? How will that influencesωmmercial b组lks operation，management ，and profitability?ηl1S pap町 will give an in-depth research and analysis on these issues，aJ1d propose sev町al constructive suggestions