利率市场化对国有商业银行经营模式的影响-金融学专业论文.docxVIP

I I 摘要 我国推进利率市场化改革已经成为一个不可逆转的现实，在完全利率市场 化条件下，我国国有银行净利息收入将会大幅下降，单纯依靠净利息收入将不 能支持国有商业银行净利润的快速增长，国有商业银行盈利能力将面临巨大挑 战，国有商业银行经营模式调整迫在眉睫。 本文首先通过分析 2007 年以来国有商业银行利息收入和中间业务收入情 况，阐述我国国有商业银行经营模式。然后通过介绍我国利率市场化改革进程 和分析利率市场化下均衡利率的确定，从而可知：利率市场化后，国有商业银 行传统利息收入和中间业务收入都将面临较大的经营冲击。面对经营冲击，国 有商业银行应依靠重点金融产品带动传统信贷业务和中间业务经营模式调整， 并在经营模式调整过程中注重防范各项经营风险，从而确保国有商业银行在利 率市场化下保持健康快速的发展。 本文结论是：传统存贷业务方面，国有商业银行应通过“科技通”、“网贷 通”等特色产品，加大力度拓展自身议价能力更强的中小企业信贷资产业务。 中间业务方面，国有商业银行应重点拓展营销链前端对净利润正向联动性更强 的中间业务，例如高端投行业务、表外理财项目。中间业务的另一方面，国有 商业银行还应加大网络金融产品的创新，丰富中间业务收入来源，同时加大对 人力资本和科技技术的投入。在经营模式调整过程中，国有商业银行还应注重 信用风险、产品风险、声誉风险、操作风险和法律风险。 关键字：利率市场化，利息收入，中间业务收入，经营模式，风险 II II Abstract Chinas market -oriented reforms to promote the interest rates have become an irreversible reality , in full interest rate market conditions , Chinas state-owned banks will be a substantial decline in net interest income , net interest income will not be able to rely solely on support rapid growth in the net profit of the state-owned commercial banks , the profitability of state-owned commercial banks will face enormous challenges , the state-owned commercial banks to adjust the business model is imminent . Firstly, since 2007 through the analysis of state-owned commercial bank interest income and fee-based business , describes the state-owned commercial banks currently operating modes. Then through the introduction of market-oriented interest rate reform process and analyze the equilibrium interest rate market determined interest rates , which shows that: the interest rate market , interest income and middle income state-owned commercial banks traditional business will face greater business impact . Face the impact of operations , state-owned commercial banks should focus on financial products rely on traditional credit business and middle driven business model adjustments, and focus on the business model of the adjustment process to prevent operational risks , ensuring state-owned commercial banks remain healthy in the interest rate market