本文關(guān)鍵詞：利率市場(chǎng)化對(duì)A銀行的影響分析　出處：《北京交通大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：摘要：我國(guó)始于1993年的漸進(jìn)式利率市場(chǎng)化改革已開(kāi)展了超過(guò)20年的時(shí)間,在此期間,央行基本遵循“先外幣、后本幣；先貸款,后存款；先長(zhǎng)期、大額,后短期、小額”的改革思路,取得了重大的階段性成果。近兩年來(lái),我國(guó)利率市場(chǎng)化的進(jìn)程明顯加快,利率改革進(jìn)入全面加速時(shí)期。作為我國(guó)金融市場(chǎng)主體的商業(yè)銀行,將不可避免地受到來(lái)自利率改革的一系列沖擊,對(duì)此進(jìn)行分析和總結(jié),探討有關(guān)應(yīng)對(duì)建議,對(duì)于商業(yè)銀行的轉(zhuǎn)型與發(fā)展意義重大。本文以“利率市場(chǎng)化對(duì)A行的影響分析”為題,以A銀行為案例,深入剖析了利率市場(chǎng)化對(duì)我國(guó)商業(yè)銀行的影響,針對(duì)商業(yè)銀行主要在業(yè)務(wù)層面受到?jīng)_擊的現(xiàn)實(shí),提出了加快業(yè)務(wù)結(jié)構(gòu)調(diào)整、提升自身定價(jià)水平等建議。 論文首先從理論層面對(duì)利率市場(chǎng)化相關(guān)文獻(xiàn)進(jìn)行概述和總結(jié),包括國(guó)外的理論總結(jié)和國(guó)內(nèi)的研究述評(píng)；在對(duì)美國(guó)、韓國(guó)的利率改革進(jìn)行比較分析后發(fā)現(xiàn),利率市場(chǎng)化對(duì)商業(yè)銀行的影響主要體現(xiàn)在業(yè)務(wù)層面,對(duì)此銀行應(yīng)及時(shí)思考結(jié)構(gòu)轉(zhuǎn)型,尋求新的盈利模式；隨后,探討了我國(guó)利率市場(chǎng)化改革的實(shí)現(xiàn)條件與可能路徑,進(jìn)而分別從存款業(yè)務(wù)、理財(cái)業(yè)務(wù)、資產(chǎn)業(yè)務(wù)角度,對(duì)我國(guó)商業(yè)銀行受到的利率改革沖擊進(jìn)行了全面而深入的剖析；在此基礎(chǔ)上,重點(diǎn)以A銀行為例,從總行與分行層面詳細(xì)分析了利率市場(chǎng)化改革背景下A銀行所面臨的沖擊及影響,并提出了商業(yè)銀行應(yīng)對(duì)利率改革的相關(guān)建議,包括重新定位發(fā)展戰(zhàn)略、全力推進(jìn)經(jīng)營(yíng)轉(zhuǎn)型、加快業(yè)務(wù)結(jié)構(gòu)調(diào)整等五個(gè)方面,以期對(duì)A銀行以及其他商業(yè)銀行的發(fā)展有所啟示。 已有的研究多集中在對(duì)某個(gè)地區(qū)或國(guó)家情況的宏觀分析,銀行個(gè)案研究較為缺乏。本文的研究特色在于,采用案例分析的形式,分別從總行和分行層面,以實(shí)際數(shù)據(jù)和調(diào)研資料為基礎(chǔ),詳細(xì)探討了A行受利率改革的沖擊,并提出了相關(guān)的應(yīng)對(duì)建議,得出的結(jié)論和啟示對(duì)其他商業(yè)銀行頗具實(shí)踐意義。
[Abstract]:Absrtact: the gradual reform of interest rate marketization, which began in 1993, has been carried out for more than 20 years. During this period, the central bank basically followed "first foreign currency, then local currency;" First loan, then deposit; The long term, large amount, short term and small amount of reform have made great achievements. In the past two years, the process of interest rate marketization in our country has been accelerated obviously. As the main body of our financial market, commercial banks will inevitably be affected by a series of impacts from interest rate reform. It is of great significance to the transformation and development of commercial banks. This paper takes "the impact of interest rate liberalization on Bank A" as a topic, and takes Bank A as a case to deeply analyze the impact of interest rate marketization on commercial banks in China. In view of the fact that commercial banks are mainly impacted in the business level, the paper puts forward some suggestions such as speeding up the adjustment of business structure and improving the pricing level of commercial banks. Firstly, the paper summarizes the relevant literature of interest rate marketization from the theoretical level, including the foreign theoretical summary and domestic research review; Through the comparative analysis of interest rate reform in America and South Korea, it is found that the influence of interest rate marketization on commercial banks is mainly reflected in the business level. The banks should think about the structural transformation in time and seek a new profit model. Then, the paper discusses the conditions and possible paths of the interest rate marketization reform in China, and then from the deposit business, financial management business, asset business point of view. The impact of interest rate reform on Chinese commercial banks is analyzed comprehensively and deeply. On this basis, taking Bank A as an example, the impact and impact of Bank A on interest rate marketization under the background of interest rate marketization are analyzed in detail from the head office and branch level. And put forward the commercial banks to respond to the interest rate reform of the relevant recommendations, including re-positioning development strategy, vigorously promote business transformation, accelerate the adjustment of business structure and other five aspects. With a view to the development of Bank A and other commercial banks have enlightenment. Most of the existing studies focus on the macro analysis of a certain region or country, and the case studies of banks are relatively lacking. The characteristics of this study are that the case study is based on the form of case analysis, from the head office and branch level, respectively. Based on the actual data and research data, this paper discusses the impact of interest rate reform on Bank A in detail, and puts forward some relevant suggestions. The conclusions and revelations are of great practical significance to other commercial banks.
【學(xué)位授予單位】：北京交通大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33;F832.5

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本文編號(hào)：1380324