利率市场化对商业银行风险影响的研究信息技术ppt模板.docVIP

PAGE PAGE 2 利率市场化对商业银行风险影响的研究 摘要：自2013年我国放开贷款利率以来，我国利率市场化的大趋势日渐明朗。因此，对于我国进行利率市场化会对银行业可能造成的风险研究显得尤为重要，本文首先通过对利率市场化有一个基本的了解，以及对国外的一些先例、以及前人研究结果进行参考总结。其次，运用SPSS选取变量进行Logistic模型分析，找出造成银行危机的风险因素。最后得出我国应该循序渐进地推进利率市场化，并积极提高我国的商业银行状况，提升其竞争力，增强我国的经济实力，为全面推进利率市场化打下扎实的基础的结论。 关键词：利率市场化、商业银行、风险 The?Risk Effects of Interest Rate Liberalization on Commercial Banks Abstract: Since?2013 Chinas liberalization of lending rates, the trend of interest rate liberalization in China is increasingly clear. Therefore, for our interest rate market research on banking risk may cause is particularly important, this paper has a basic understanding of the interest rate market, as well as some precedent, the foreign and the previous research results are summarized for reference. Secondly, using SPSS Logistic model to analyze the selected variables, to find out the risk factors caused by the banking crisis. Finally come to the conclusion that China should gradually promote the interest rate market, and actively improve the status of Chinas commercial banks, enhance its competitiveness, enhance the economic strength of our country, in order to comprehensively promote the interest rate market to lay a solid foundation. Keywords:interest rate liberalization, commercial bank, risk