【摘要】：近年來(lái)國(guó)家加快了利率市場(chǎng)化改革推進(jìn)步伐,2013年初央行正式放松對(duì)貸款利率下限管制后,同業(yè)間大額定期可轉(zhuǎn)讓存單在近期也正式啟動(dòng)。此舉說(shuō)明我國(guó)已經(jīng)進(jìn)入了利率完全市場(chǎng)化的沖刺階段,人民幣利率市場(chǎng)化進(jìn)程進(jìn)一步深化,這一改革為商業(yè)銀行的盈利能力、業(yè)務(wù)發(fā)展和經(jīng)營(yíng)策略等方面帶來(lái)了很多的影響和嚴(yán)峻的風(fēng)險(xiǎn)考驗(yàn)。本文詳細(xì)闡述了利率市場(chǎng)化研究得背景和意義,介紹了我國(guó)利率市場(chǎng)化的發(fā)展進(jìn)程,并以?xún)?nèi)蒙古銀行為例,采用了規(guī)范分析方法與實(shí)證分析方法相結(jié)合,重點(diǎn)研究中小銀行存貸款業(yè)務(wù)的定價(jià)原則和現(xiàn)狀,即由于自有資金不多,吸儲(chǔ)能力不強(qiáng),短期內(nèi)將可能會(huì)遇到一定的困難和問(wèn)題。并通過(guò)分析和借鑒西方發(fā)達(dá)國(guó)家銀行在利率市場(chǎng)化改革過(guò)程中的應(yīng)對(duì)經(jīng)驗(yàn),結(jié)合現(xiàn)階段我國(guó)利率市場(chǎng)化改革的進(jìn)程,深入研究分析內(nèi)蒙古銀行現(xiàn)階段存貸款結(jié)構(gòu)對(duì)利率定價(jià)的影響,探索內(nèi)蒙古銀行在應(yīng)對(duì)利率市場(chǎng)化過(guò)程中應(yīng)采取的存貸款定價(jià)方式方法,并通過(guò)相關(guān)實(shí)際案例進(jìn)行深入剖析,提出了內(nèi)蒙古銀行在利率市場(chǎng)化過(guò)度時(shí)期和成熟期存款定價(jià)方法,以?xún)r(jià)格領(lǐng)導(dǎo)定價(jià)、確定貸款定價(jià)區(qū)間、通過(guò)客戶(hù)盈利能力和綜合貢獻(xiàn)度確定最終貸款定價(jià)管理的解決辦法,以及其他方面的有效應(yīng)對(duì)策略,提出經(jīng)營(yíng)戰(zhàn)略、利率風(fēng)險(xiǎn)管理、定價(jià)模式和緊貼宏觀政策等相應(yīng)的管理建議和可行性措施,以期為中小銀行提供合理的理論支持。
[Abstract]:In recent years, the government has accelerated the pace of interest rate marketization reform. After the central bank formally relaxed the lower limit of loan interest rate in early 2013, the large number of fixed term transferable deposit certificates of deposit in the same trade also officially launched in the near future. This shows that China has entered the stage of complete marketization of interest rates, and the process of marketization of RMB interest rates has been further deepened. This reform has become the profitability of commercial banks. Business development and business strategy have brought a lot of impact and severe risk test. This paper elaborates the background and significance of the interest rate marketization research, introduces the development process of interest rate marketization in China, and takes Inner Mongolia Bank as an example, combines the normative analysis method with the empirical analysis method. This paper focuses on the pricing principle and present situation of deposit and loan business in small and medium-sized banks, that is, due to the lack of its own funds and the weak ability of absorbing and storing, it may encounter certain difficulties and problems in the short term. By analyzing and drawing lessons from the experiences of banks in western developed countries in the process of interest rate marketization reform, and combining with the process of interest rate marketization reform in our country at present, This paper deeply studies and analyzes the influence of deposit and loan structure of Inner Mongolia Bank on interest rate pricing, probes into the methods of deposit and loan pricing that should be adopted by Inner Mongolia Bank in the process of dealing with the marketization of interest rate, and makes an in-depth analysis through relevant practical cases. The paper puts forward the deposit pricing method of Inner Mongolia Bank in the transitional period and mature period of interest rate marketization, pricing with price leadership, determining loan pricing interval, and determining the solution of final loan pricing management through customer profitability and comprehensive contribution. And other effective countermeasures, such as management strategy, interest rate risk management, pricing model and macro policy, are put forward in order to provide reasonable theoretical support for small and medium-sized banks.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.2;F832.4

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