本文選題：利率市場(chǎng)化 + 政策性銀行　； 參考：《財(cái)政部財(cái)政科學(xué)研究所》2014年碩士論文

【摘要】：我國(guó)的利率市場(chǎng)化進(jìn)程在過(guò)去的幾年中不斷加速,特別是在2013年7月19日,中國(guó)利率市場(chǎng)化改革邁出重要一步,人民銀行決定自2014年7月20日起全面放開(kāi)金融機(jī)構(gòu)貸款利率管制。此次改革內(nèi)容包括：除個(gè)人住房貸款之外的人民幣貸款利率下限完全取消：農(nóng)信社貸款利率不再設(shè)2.3倍的上限；解除再貼現(xiàn)利率對(duì)票據(jù)貼現(xiàn)利率的約束等,對(duì)我國(guó)銀行業(yè)的發(fā)展產(chǎn)生了深遠(yuǎn)的影響。。從短期看,利率市場(chǎng)化將使銀行業(yè)籌資成本顯著提高,隨著籌資成本的提高以及貸款利率的下降,銀行的存貸利差空間將大幅度收窄,銀行業(yè)將面臨巨大的財(cái)務(wù)壓力。政策性銀行作為我國(guó)銀行業(yè)中的特殊一支,集中成立于1994年,經(jīng)過(guò)20余年的發(fā)展,其資產(chǎn)規(guī)模、社會(huì)作用和影響力都在不斷的增長(zhǎng),因此研究政策性銀行在利率市場(chǎng)化背景下的財(cái)務(wù)管理具有重要的理論和現(xiàn)實(shí)意義。全文一共分為五部分。第一部分是緒論部分,主要對(duì)研究利率市場(chǎng)化背景下政策性銀行財(cái)務(wù)管理的背景和意義進(jìn)行了探討,對(duì)目前關(guān)于國(guó)內(nèi)外關(guān)于政策性銀行職能定位、業(yè)務(wù)方向以及財(cái)務(wù)管理的研究?jī)?nèi)容進(jìn)行了介紹,指出政策性銀行是屬于國(guó)家政府的銀行,其經(jīng)營(yíng)目標(biāo)是配合國(guó)家特定經(jīng)濟(jì)政策和社會(huì)發(fā)展政策,其財(cái)務(wù)管理的內(nèi)容和重點(diǎn)與普通商業(yè)銀行存在一定的差異,此外還介紹了本文在研究方法上的創(chuàng)新與不足；第二部分是政策性銀行財(cái)務(wù)管理概述,概括性的介紹了國(guó)內(nèi)外政策性銀行的特點(diǎn),并對(duì)我國(guó)政策性銀行財(cái)務(wù)管理的內(nèi)容和特點(diǎn)進(jìn)行了全面和細(xì)致的梳理；第三部分是利率市場(chǎng)化給政策性銀行帶來(lái)的機(jī)遇和風(fēng)險(xiǎn),這部分采取定量計(jì)算、定性討論、橫向比較、縱向比較的研究方法,分析出隨著利率市場(chǎng)化進(jìn)程的不斷加深,政策性銀行在面臨利率市場(chǎng)化帶來(lái)風(fēng)險(xiǎn)的同時(shí),也將遇到“金融脫媒”弱化、信用利差增大等發(fā)展機(jī)遇；第四部分是加強(qiáng)政策性銀行財(cái)務(wù)管理的對(duì)策建議,針對(duì)利率市場(chǎng)化給政策性銀行帶來(lái)的財(cái)務(wù)風(fēng)險(xiǎn),從銀行內(nèi)控建設(shè)、強(qiáng)化利率風(fēng)險(xiǎn)管理、加快金融創(chuàng)新等方面給出具體的建議,以幫助政策性銀行應(yīng)對(duì)利率市場(chǎng)化帶的財(cái)務(wù)風(fēng)險(xiǎn)；第五部分是結(jié)論和展望,通過(guò)對(duì)全文的回顧,總結(jié)出政策性銀行如果能夠把握住利率市場(chǎng)化帶來(lái)的機(jī)遇,主動(dòng)采取各種措施,積極應(yīng)對(duì)利率市場(chǎng)化,政策性銀行不僅成功抵御利率市場(chǎng)化來(lái)帶的沖擊,還可以使銀行的財(cái)務(wù)管理水平上一個(gè)新的臺(tái)階。
[Abstract]:China's interest rate marketization process has been accelerating in the past few years, especially on July 19, 2013, when China's interest rate marketization reform took an important step forward. The people's Bank of China has decided to liberalize the interest rate on loans from financial institutions from July 20, 2014. The contents of this reform include: the lower limit of RMB loan interest rates, other than personal housing loans, will be completely abolished: the interest rate of rural credit cooperatives will no longer be capped at 2.3 times; and the rediscount interest rate will be lifted from the restrictions on the discount interest rate on bills, and so on. It has a profound influence on the development of China's banking industry. In the short run, the interest rate marketization will increase the financing cost of the banking industry significantly. With the increase of the financing cost and the decrease of the loan interest rate, the margin of deposit and loan interest will be narrowed by a large margin, and the banking industry will be faced with great financial pressure. As a special branch of China's banking industry, policy-oriented banks were founded in 1994. After more than 20 years of development, their asset size, social role and influence are constantly growing. Therefore, it is of great theoretical and practical significance to study the financial management of policy banks under the background of interest rate marketization. The full text is divided into five parts altogether. The first part is the introduction part, which mainly discusses the background and significance of the study on the financial management of policy banks under the background of interest rate marketization. The business direction and the research content of financial management are introduced. It is pointed out that the policy bank is a bank belonging to the state government, and its business objective is to cooperate with the specific economic policy and social development policy of the country. The content and emphasis of its financial management are different from those of ordinary commercial banks. In addition, it also introduces the innovation and deficiency of the research methods in this paper. The second part is an overview of the financial management of policy-oriented banks. This paper introduces the characteristics of policy banks at home and abroad, and makes a comprehensive and detailed analysis of the contents and characteristics of the financial management of policy banks in China. The third part is the opportunities and risks brought to the policy banks by the marketization of interest rates. This part adopts the research methods of quantitative calculation, qualitative discussion, horizontal comparison and vertical comparison, and analyzes that with the deepening of interest rate marketization process, policy banks are facing the risk of interest rate marketization at the same time. It will also encounter opportunities for development, such as the weakening of "financial disintermediation" and the increase of credit spreads. The fourth part is the countermeasures and suggestions for strengthening the financial management of policy banks, which aim at the financial risks brought by the marketization of interest rates to the policy banks, and control the construction from within the banks. Strengthening interest rate risk management, speeding up financial innovation and other specific suggestions to help policy banks cope with the financial risks of interest rate marketization. The fifth part is the conclusion and prospect, through the review of the full text, It is concluded that if policy banks can grasp the opportunities brought about by the marketization of interest rates and take active measures to deal with the marketization of interest rates, the policy banks will not only successfully resist the impact brought by the marketization of interest rates. Also can make the bank's financial management level to a new level.
【學(xué)位授予單位】：財(cái)政部財(cái)政科學(xué)研究所
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.5;F832.31

【共引文獻(xiàn)】

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本文編號(hào)：1836894