利率市场化对中小商业银行的影响及对策研究.pdfVIP

本科论文 摘 要 利率市场化是我国经济发展的必然趋势，这项改革一直在我国稳步推进，近几年已 经在收尾完善中。利率市场化改革对我国的金融市场是一个冲击，一方面会促进金融行 业的整体发展，另一方面也给金融市场带来了很多挑战。本文通过分析利率市场化进程 中中小商业银行所面临的机遇和挑战，提出中小商业银行的应对策略，通过进行业务创 新，强化内部管理能力，培养专业的经营人才等来自身提高经营能力，在利率市场化过 程中抓住机遇提升竞争力。 关键词：利率市场化，中小商业银行，影响，对策 本科论文 Abstract Interest rate liberalization is an inevitable trend of Chinas economic development. This reform has been advancing steadily in China and has been in the final stages of improvement in recent years. The reform of interest rate liberalization has an impact on Chinas financial market. On the one hand, it will promote the overall development of the financial industry, on the other hand, it also brings many challenges to the financial market. Based on the analysis in the process of marketization of interest rates of small and medium-sized commercial Banks facing the opportunities and challenges, and put forward the coping strategies of small and medium-sized commercial Banks, through business innovation, strengthening internal management ability, training professional management talents such as to improve the management ability, seize the opportunities in the process of marketization of interest rate more competitive. Key words ： Marketization of interest rate,Small and medium commercial banks,Influence,Countermeasure 本科论文 目录 前 言1 1 利率市场化概述 2 1.1 利率市场化的概念2 1.2 我国利率市场化的过程2 1.3 我国利率市场化过程中存在的主要问题3 2 我国中小商业银行发展现状 4 3 利率市场化给我国中小商业银行带来的影响 7 3.1 有利影响 7 3.1.1 推进中小商业银行的产品更新 7 3.1.2 扩大了商业银行定价自主权 7 3.1.3 促进商业银行的公平竞争 7 3.2 不利影响 8 3.2.1 各项风险增加 8 3.2.2 使商业银行间的竞争加剧 8 3.2.3 利率定价机制面临考验 9