發(fā)布時(shí)間：2018-03-11 05:22

  本文選題：利率市場(chǎng)化　切入點(diǎn)：平安銀行業(yè)務(wù)發(fā)展　出處：《吉林大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：2013年7月20日起金融機(jī)構(gòu)貸款利率管制全面放開，標(biāo)志著我國(guó)貸款利率市場(chǎng)化已基本完成，我國(guó)利率市場(chǎng)化改革已進(jìn)入最后沖刺階段。但是，同時(shí)也說明我國(guó)正處于利率市場(chǎng)化改革中，今后還會(huì)陸續(xù)出臺(tái)利率市場(chǎng)化改革相關(guān)文件。眾所周知，，利率作為最重要的基本經(jīng)濟(jì)因素之一，其改變必定會(huì)對(duì)整個(gè)社會(huì)的經(jīng)濟(jì)平衡造成巨大的直接或間接的影響。因此，利率市場(chǎng)化帶來的影響及應(yīng)對(duì)策略是我國(guó)相關(guān)研究的熱點(diǎn)，但是很少人關(guān)注與它直接相關(guān)的銀行業(yè)務(wù)也同樣受到極大的影響。在利率市場(chǎng)化改革推進(jìn)中，在信貸增長(zhǎng)速度放慢、存款業(yè)務(wù)面臨分流和資本受到約束的情況之下，我國(guó)銀行業(yè)務(wù)的發(fā)展將面臨一次重大的轉(zhuǎn)型：從過去的以拼貸款業(yè)務(wù)、拉存款業(yè)務(wù)為主要特征、過度注重規(guī)模與速度的發(fā)展方式向著更加注重質(zhì)量與效益的內(nèi)涵發(fā)展方式轉(zhuǎn)型；從過于依賴存貸業(yè)務(wù)與批發(fā)業(yè)務(wù)向著大力開拓零售業(yè)務(wù)和中間業(yè)務(wù)轉(zhuǎn)變。利率市場(chǎng)化倒逼銀行業(yè)務(wù)結(jié)構(gòu)、客戶結(jié)構(gòu)、資產(chǎn)負(fù)債結(jié)構(gòu)等調(diào)整優(yōu)化。同時(shí)，利率市場(chǎng)化會(huì)使得銀行同業(yè)競(jìng)爭(zhēng)加劇，挑戰(zhàn)銀行業(yè)務(wù)定價(jià)能力，對(duì)銀行風(fēng)險(xiǎn)管理能力提出了更高的要求。本文試圖通過對(duì)利率市場(chǎng)化相關(guān)文獻(xiàn)進(jìn)行歸納總結(jié)，借鑒國(guó)際利率市場(chǎng)經(jīng)驗(yàn)，結(jié)合我國(guó)利率市場(chǎng)化的進(jìn)程，以平安為例分析利率市場(chǎng)化對(duì)銀行業(yè)務(wù)發(fā)展的影響，探討我國(guó)利率市場(chǎng)化改革進(jìn)程中銀行業(yè)務(wù)發(fā)展的對(duì)策,為平安銀行在利率市場(chǎng)化進(jìn)程中正確定位、把握業(yè)務(wù)發(fā)展方向提供建議，為保障我國(guó)銀行業(yè)的健康發(fā)展提供參考。
[Abstract]:Since July 20, 2013 the full liberalization of lending rates of financial institutions regulation, marking China's lending interest rate market has been basically completed, China's market-oriented interest rate reform has entered the final sprint stage. However, at the same time also shows that China is in the interest rate market reform, the future will be the continued introduction of market-oriented interest rate reform documents. As everyone knows, the interest rate as one of the most important basic economic factors, the change will result in huge direct and indirect effects of economic balance of the whole society. Therefore, the impact of market interest and strategy is a hot research in our country, but few people pay attention to is directly related to its banking business is also greatly affected in the market-oriented interest rate reform, the slowdown in credit growth, deposit and capital constraints facing the diversion of the situation, the bank business in China The development will face a major transformation: from the past to fight the loan business, pull deposits as the main feature, the excessive focus on the transformation of development pattern scale and speed to pay more attention to the quality and efficiency of the connotation of development; from over reliance on loan business and wholesale business to vigorously explore the transformation of the retail business and intermediate business interest rates. The market forced bank business structure, customer structure, asset liability structure adjustment and optimization. At the same time, the interest rate market will make the banking industry competition, the pricing ability of the bank business challenges of bank risk management ability put forward higher requirements. This paper attempts to carry out the related literature on the interest rate market summary, with reference to international the interest rate market experience, combined with China's market-oriented interest rate process, security for the analysis of impact on the business development of the bank's interest rate market, explore the interest rate in China In the process of market-oriented reform, countermeasures for bank business development will provide suggestions for Ping An Bank to correctly position and grasp the direction of business development in the process of interest rate marketization, so as to provide references for the healthy development of China's banking industry.

【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

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