利率市场化条件下我国城市商业银行的对策研究金融学专业论文.docxVIP

山东财经大 山东财经大学硕士学位论文 Abs Abstract i i PAGE PAGE ii 摘要 利率市场化不仅是我国进行宏观经济调控的重要手段，同时也是我国进行金融体 制改革的重要推动力。利率市场化能够创造一个公平竞争的金融环境，从而提高金融 系统的运作效率，促进经济的可持续发展。发达国家利率市场化的经验表明，这是一 个长期、曲折的过程。对于发展中国家来说，由于经济基础薄弱，金融体系的发展还 处于初级阶段，在利率市场化改革进程中将会面临着许多不确定的风险，尤其对我国 城市商业银行的影响巨大。近年来，随着我国经济的不断增长，城市商业银行逐渐成 为我国金融体系中一个不可或缺的重要组成部分，对我国国民经济的健康发展有着重 大意义。但是，与我国大型国有商业银行与股份制商业银行相比，在竞争实力与抗风 险冲击能力等方面，我国城市商业银行还存在一定的差距。在利率市场化进程中，我 国城市商业银行很可能在与我国大型国有商业银行与股份制商业银行的竞争中处于 劣势，影响其稳定、健康发展。因此，分析利率市场化进程中我国城市商业银行的发 展与战略选择具有重要的理论和现实意义。 本文首先介绍我国利率市场化的发展进程以及我国城市商业银行的发展现状。然 后，结合利率市场化对我国城市商业银行的影响，深入分析利率市场化条件下我国城 市商业银行的外部环境影响。在此基础上，利用SWOT方法分析我国城市商业银行的优 势、劣势以及面对的机遇与威胁，构建我国城市商业银行的竞争战略，并据此提出我 国城市商业银行应对利率市场化的对策，使我国城市商业银行能够在今后适应利率市 场化进程，抵御住其带来的冲击。 关键词：利率市场化 城市商业银行 战略选择 ABSTRACT The interest rate marketization is not only the important means of Chinese macroeconomic control , but also the important driving force of reform of the Chinese financial system. The interest rate marketization can create a financial environment under the condition of fair competition, thereby improving the operation efficiency of the financial system and promoting the sustainable development of the economy. Interest rate marketization in the experience of developed countries shows that it is a long, tortuous process. For the developing countries, due to the weak economic foundation and the primary stage of development of the financial system, they will be facing many uncertain risks in the interest rate marketization reform process, especially for the city commercial banks in China, they will be facing more impact. In recent years, with the growing of Chinese economy, the city commercial banks have gradually become gradually become one of the indispensable important component in Chinas financial system and are of great significance for the healthy development of our national economy. However, compared with Chinas large state-owned commercial banks and joint-stock commercial banks, the city commercial banks in China have a certain gap in the aspect of c