利率市场化背景下票据业务风险应对措施-工商管理专业论文.docxVIP

Abstract Abstract I III ABSTRACT As is known to all, for financial institutions, loans for years in this field have been affected by absolute control, and in July 2013, the peoples bank of China has implemented a landmark move, is to fully open the interest rate control. Has been of a deposit insurance system in the current began on May 1, 2015, marks the formal boarded the stage of history, become the landmark of the important measures. In this field continuously deepening the reform of interest rate liberalization, the influence of the commercial bank more and more obvious, facing the adjustment of business also need to follow up, because the reform margin appeared continuously narrow situation, so you must change management ideas, explore their business model, to ensure that in an impregnable position, in this way, develop intermediary business areas and developing the financial market business become a battleground. At the same time, in the process of interest rate marketization, the banking sector will become increasingly fierce competition, some small and medium-sized Banks will be more difficult, the banking industry merger and reorganization to become inevitable, highly centralized industry, at the same time, the question of credit risk will also showing a growing trend, which requires commercial Banks in risk prediction management in itself be highly risk consciousness and analysis ability to prevent. From the successful experience of national interest rate marketization, the interest rate marketization should be in setting up a series of system.In this paper, from the second chapter related theory of interest rate liberalization, successively in the international financial liberalization are summarized the main point of the financial deepening and the theory of financial repression, and then research of interest rate liberalization of domestic financial circles has carried on the summary. In the third chapter introduces the progress of interest rate libera