【摘要】：利率市場化是我國金融改革的重要一環(huán)。我國利率市場化改革始于1996年，基本遵循了漸進(jìn)改革的路徑。2012年6月8日與7月6日，央行連續(xù)兩次調(diào)整放寬存貸款基準(zhǔn)利率浮動區(qū)間，并且在其發(fā)布的《2012年金融穩(wěn)定報(bào)告》中稱，將進(jìn)一步探索推進(jìn)利率市場化的有效途徑，利率市場化改革引起更加廣泛關(guān)注。中國利率市場化的進(jìn)程明顯加速，勢必給我國商業(yè)銀行的經(jīng)營管理帶來重要影響，引發(fā)深刻變革。 本文介紹了利率市場化的含義以及我國利率市場化改革的背景與動因，梳理了我國利率市場化進(jìn)程，特別是2012年6月以來利率市場化的進(jìn)程與特點(diǎn)。進(jìn)一步探究了利率市場化對商業(yè)銀行的影響，分析其如何導(dǎo)致商業(yè)銀行利差收窄、存貸比上升以及給商業(yè)銀行帶來的更大風(fēng)險。對商業(yè)銀行應(yīng)對利率市場化影響應(yīng)采取的對策給出了相關(guān)建議，商業(yè)銀行可以發(fā)展中間業(yè)務(wù)，提高非利息收入水平；以客戶為核心，完善貸款定價機(jī)制；堅(jiān)持風(fēng)控原則，加強(qiáng)金融創(chuàng)新；基于優(yōu)勢業(yè)務(wù)，實(shí)施差異化經(jīng)營已應(yīng)對利率市場化帶來的影響。
[Abstract]:Interest rate marketization is an important part of our financial reform. The interest rate marketization reform in China began in 1996 and basically followed the path of gradual reform. On June 8, 2012 and July 6, 2012, the central bank adjusted and relaxed the floating range of the benchmark interest rates for deposits and loans for two consecutive times. And in its 2012 Financial Stability report, it said it will further explore effective ways to promote interest rate marketization, which has attracted more attention. The process of interest rate marketization in China is obviously accelerated, which will inevitably bring important influence to the management of commercial banks in China and lead to profound changes. This paper introduces the meaning of interest rate marketization and the background and motivation of interest rate marketization reform in China, and combs the process and characteristics of interest rate marketization in China, especially since June 2012. This paper further explores the influence of interest rate marketization on commercial banks, and analyzes how it leads to narrow spread of interest rate, increase of deposit / loan ratio and greater risk to commercial banks. Some suggestions are put forward for commercial banks to deal with the impact of interest rate marketization. Commercial banks can develop intermediate business, improve the level of non-interest income, take the customer as the core, and improve the pricing mechanism of loans. Adhere to the principle of wind control, strengthen financial innovation, based on the advantages of business, the implementation of differentiated management has responded to the impact of interest rate marketization.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.33;F822.0

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