本文選題：利率市場化 + 農(nóng)信社�。� 參考：《安徽大學(xué)》2013年碩士論文

【摘要】：一直以來,我國實行利率管制政策,利率的生成機(jī)制、傳導(dǎo)途徑和管理方式都由中國人民銀行總行強(qiáng)制性制定并執(zhí)行。隨著我國經(jīng)濟(jì)一體化和金融自由化的飛速發(fā)展,利率市場化勢在必行。國際經(jīng)驗表明,利率市場化改革過程中以及完成之后的五年內(nèi),小型銀行機(jī)構(gòu)破產(chǎn)倒閉的概率會大幅增加。未來,隨著我國存款保險制度的出臺,銀行機(jī)構(gòu)破產(chǎn)倒閉的現(xiàn)象將由理論走向現(xiàn)實。作為二級法人體制下的農(nóng)村信用社,主要收入來源仍然是存貸款利差,為了應(yīng)對利率市場化下的同業(yè)競爭,吸收存款利率“一浮到頂”,貸款利率由先前的“一浮到頂”降低到基本與其他國有和股份制商業(yè)銀行扯平。此外,相比其他國有及大型商業(yè)銀行,農(nóng)信社中間業(yè)務(wù)收入占比明顯偏低。因此,利率市場化下,農(nóng)信社如何認(rèn)識自己與其他商業(yè)銀行之間的差距,找準(zhǔn)市場定位,把握市場機(jī)遇,實現(xiàn)可持續(xù)發(fā)展,具有重大意義。 本文從利率市場化的概念、主要風(fēng)險表現(xiàn)形式、我國利率市場化特點(diǎn)以及沿革歷程入手,對利率市場化對農(nóng)信社業(yè)務(wù)發(fā)展及風(fēng)險控制影響作了深入的研究,并通過實際調(diào)查研究,以安徽省農(nóng)信社風(fēng)險控制現(xiàn)狀為例,深入分析利率市場化下安徽農(nóng)信社風(fēng)險管理組織架構(gòu)及定價機(jī)制、利率定價模式、應(yīng)對利率市場化的能力等,重點(diǎn)分析了農(nóng)信社在風(fēng)險管控、利率風(fēng)險管理、盈利能力、市場競爭等方面面臨的困難和調(diào)整,針對性地提出了農(nóng)信社在體制改革、風(fēng)控機(jī)制、轉(zhuǎn)型創(chuàng)新、小微企業(yè)服務(wù)、信貸風(fēng)險把控、信息系統(tǒng)建設(shè)、構(gòu)建全面風(fēng)險管理體系等七大方面的應(yīng)對策略,為推動農(nóng)信社利率市場化下如何全面控制風(fēng)險,提升核心競爭力提供較強(qiáng)的意見建議和參考價值。 本文分為章進(jìn)行闡述,第一章為緒論,主要闡述了研究利率市場化對農(nóng)信社產(chǎn)生影響的背景和研究意義,國外內(nèi)外研究利率市場化的主要理論,并對自己研究的主要內(nèi)容與思路、研究創(chuàng)新點(diǎn)作了簡要描述。第二章為利率市場化主要風(fēng)險形式及沿革歷程,分別從概念、表現(xiàn)形式、特點(diǎn)和變革歷程等方面進(jìn)行陳述。第三章,以安徽農(nóng)信社為例,從風(fēng)險管理框架、利率定價模式和應(yīng)對利率市場化能力進(jìn)行全面分析。第四章著重分析了利率市場化對農(nóng)信社的影響,從有利影響、不利影響進(jìn)行分析,重點(diǎn)分析了不利影響。第五章重點(diǎn)闡述應(yīng)對利率市場化不利影響的具體對策,并最終闡明結(jié)論性建議。 本文的創(chuàng)新之處在于,目前,國內(nèi)外研究利率市場化對銀行業(yè)尤其是商業(yè)銀行業(yè)務(wù)發(fā)展及風(fēng)險控制影響研究較多,但對中小銀行機(jī)構(gòu)特別是農(nóng)信社小銀行法人機(jī)構(gòu)的風(fēng)險控制影響研究較少,本文作者結(jié)合自己在農(nóng)信社系統(tǒng)多年的工作經(jīng)歷,且抽調(diào)一批人員成立利率市場化調(diào)研小組,歷時一個月,對安徽農(nóng)信社如何應(yīng)對利率市場化開展了專題研究,充分做到理論聯(lián)系實際,具體研究利率市場化下農(nóng)信社風(fēng)險控制現(xiàn)狀,有針對性地提出了應(yīng)對利率市場化的具體措施,從而實現(xiàn)學(xué)以致用的目的。
[Abstract]:China has been the implementation of interest rate control policy, the formation mechanism of the interest rate, transmission channels and management mode by the head office of the people's Bank of Chinese mandatory formulated and implemented. With the rapid development of China's economic integration and financial liberalization, interest rate marketization is imperative. The international experience shows that the process of marketization of interest rate reform and after the completion of the within five years, the probability of small banks bankruptcy would increase sharply. In the future, with the introduction of deposit insurance system in China, the phenomenon of bankruptcy of bank will become reality by theory. As the two level of human body under the system of rural credit cooperatives, the main source of income is still the loan spreads in response to the interest rate market. Under the competition, deposits a floating the top rate, loan interest rate from the previous "a floating the top down to basic and other state-owned and joint-stock commercial bank at Ping. In addition, compared to other state-owned large commercial banks and rural credit cooperatives, intermediate business income accounted for significantly lower. Therefore, the interest rate market, how to realize the rural credit cooperatives between themselves and other commercial banks, market positioning, grasp market opportunities, achieve sustainable development, is of great significance.
From the concept of interest rate marketization, the main risk forms, starting with the characteristics of China's interest rate market and the evolution process, the impact of interest rate marketization of rural credit cooperatives business development and risk control are studied deeply, and through the actual investigation, in Anhui Province Rural Credit Cooperatives risk control situation as an example, in-depth analysis interest rate marketization of rural credit cooperatives in Anhui risk management organization structure and pricing mechanism, pricing model, the ability to deal with the interest rate market, focus on the analysis of the rural credit cooperatives in the risk management, interest rate risk management, profitability, and difficult adjustment facing market competition, puts forward the rural credit cooperatives in system reform, risk control mechanism, transformation and innovation, Small and micro businesses, credit risk control, information system construction, the seven strategies to build a comprehensive risk management system of rural credit cooperatives, to promote the marketization of interest rate How to control the risk in an all-round way and improve the core competitiveness provides a strong suggestion and reference value.
This paper is divided into chapters, the first chapter is the introduction, mainly expounds the background of the study of interest rate marketization impact on rural credit cooperatives and the research significance, the main theoretical research of marketization of interest rates abroad, and the main content of his research and ideas, research and innovation are briefly described. The second chapter is the interest rate market the main risk types and evolution, respectively form from the concept, characteristics and the course of the reform of state. In the third chapter, taking Anhui rural credit cooperatives as an example, from the framework of risk management, interest rate pricing model and market interest rates in response to the ability to conduct a comprehensive analysis. The fourth chapter focuses on the analysis of the impact of interest rate marketization of agricultural credit cooperatives, from the beneficial effects, analysis of adverse effects, focuses on the analysis of the adverse effects. The fifth chapter focuses on specific measures to deal with the interest rate market impact, and finally clarify on recommendations.
The innovation of this paper is that, at present, the domestic and foreign research of interest rate liberalization on banking especially more on impact of commercial bank business development and risk control, but for small and medium-sized banks in particular risk control legal institutions of rural credit cooperatives of small banks studied less, combined with the author's own experiences in the system of rural credit cooperatives in years of work and, from a group of personnel to form a group of research interest rate market, which lasted a month, rural credit cooperatives in Anhui how to deal with the interest rate market to fully carry out studies, linking theory with practice, the present situation of the risk control of rural credit cooperatives in the interest rate market specific research, puts forward the specific measures to deal with the interest rate market in order to achieve the purpose of application.

【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.35

【參考文獻(xiàn)】

相關(guān)期刊論文 前7條

1 駱波;我國利率市場化探討[J];金融理論與實踐;2002年01期

2 張純威;關(guān)于利率市場化推動方式的兩種思路[J];經(jīng)濟(jì)研究參考;1996年17期

3 ;巴曙松:利率市場化對中小商業(yè)銀行的挑戰(zhàn)[J];商;2012年14期

4 紀(jì)中慷;劉偉;;利率市場化改革“檢驗”農(nóng)信社應(yīng)變能力[J];中國農(nóng)村金融;2012年14期

5 李澤文;陳海洋;;以扁平化管理改革應(yīng)對利率市場化挑戰(zhàn)[J];中國農(nóng)村金融;2012年14期

6 潘婉珍;洪建全;;利率市場化是挑戰(zhàn)更是機(jī)遇[J];中國農(nóng)村金融;2012年14期

7 柴志勇;;應(yīng)對利率市場化的五項對策[J];中國農(nóng)村金融;2012年14期

，

本文編號：1769988