蒙古是世界上少有的內(nèi)陸國(guó)家,周圍有俄羅斯和中國(guó)兩個(gè)大國(guó)。蒙古經(jīng)濟(jì)嚴(yán)重依賴采礦和出口,這種單一經(jīng)濟(jì)形勢(shì)容易受到外部和內(nèi)部沖擊的影響。受金融部門和商業(yè)銀行不良貸款增長(zhǎng)的影響,目前蒙古處于高通脹經(jīng)濟(jì),容易引發(fā)經(jīng)濟(jì)環(huán)境惡化,這將會(huì)影響所有業(yè)務(wù)的運(yùn)營(yíng)或產(chǎn)生風(fēng)險(xiǎn)。依據(jù)前幾年的歷史數(shù)據(jù),蒙古很可能會(huì)遵循大的經(jīng)濟(jì)趨勢(shì)。因此,決策者需要不下避免一個(gè)經(jīng)濟(jì)危機(jī)風(fēng)險(xiǎn),不能過(guò)度增加支出和信貸增長(zhǎng)。蒙古經(jīng)濟(jì)中有很多的貸款需求,但由于資金不足,金融服務(wù)需求旺盛,中小企業(yè)不得不付出太多的代價(jià)。本研究的目的是增加銀行貸款的供給,降低銀行貸款利率,這是蒙古經(jīng)濟(jì)增長(zhǎng)的關(guān)鍵決定因素之一。為了增加貸款供應(yīng),應(yīng)該增加實(shí)際資金供應(yīng)。在目前的市場(chǎng)環(huán)境下,主要金融供應(yīng)商是商業(yè)銀行,商業(yè)銀行利率直接影響融資成本。因此,研究如何降低商業(yè)貸款利率以降低融資成本非常重要。文獻(xiàn)綜述L.Oyun研究員(2007)對(duì)“商業(yè)銀行信用分析”進(jìn)行了研究,D.Molomjamts(2007)在“貨幣與貸款關(guān)系”中根據(jù)目的,期限,利率,還款和抵押品等因素將資產(chǎn)類型分為不同類型,表明貸款償還情況有所改善,信用風(fēng)險(xiǎn)降低,但未明確影響高利率的因素。D.Boldbaa...

【文章頁(yè)數(shù)】：98 頁(yè)

【學(xué)位級(jí)別】：碩士

【文章目錄】：
Acknowledgements
Abstract
摘要
List Of Abbreviations
Chapter One. Introduction
    1.1 Credits Interest Rate Role In Economy
    1.2 Credit Principal And Their Relatives
    1.3 Interest Rates Impact To Economy
    1.4 Factors Affecting To Credit Price And Interest Rate
    1.5 Credit Facilities
Chapter Two. The Relative Theory Review
    2.1 Credit Risk Of The Banking Sector
    2.2 Analysis Of Impact To Loan Interest Rates
    2.3 Changes In Loan Interest Rate And Savings Rate Differentials
    2.4 Inflation Interest Rates
        2.4.1 Reason For The High Interest Rate
        2.4.2 Tax Environment
        2.4.3 Development Of Financial Markets Weak
    2.5 Reducing Method Of Interest Rate
Chapter Three. Situation Of Interest Rate Of Commercial Banks In Mongolia
    3.1 Current Situation Of World Economy
    3.2 Current Situation Of Mongolian Economy
    3.3 Current Situation Of Mongolian Commercial Banks
    3.4 Interest Rates Of Banks
    3.5 Survey Of Citizens With Bank Lending
Chapter Four. How To Reduce The Interest Rate Of Commercial Banks In Mongolia
    4.1 Methodology of Reduce Interest Rate
    4.2 Research Methods, And Facts
        4.2.1 CAR Affecting To NPLR's
    4.3 Decrease Deposit Rate Affect Interest Rate
        4.3.1 The Empirical Model Of The Savings Interest
        4.3.2 Deposit Rate Calculated By Market Competition
    4.4 Macroeconomic Environment Affect Interest Rate
Chapter Five. Conclusions And Policy Recommendations
    5.1 Survey Results And Conclusions
    5.2 Policy Recommendations
Bibliography
Appendices



本文編號(hào)：4048222