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  本文選題：利率市場化 + 商業(yè)銀行��； 參考：《中共中央黨�！�2013年碩士論文

【摘要】：實現(xiàn)利率市場化是當(dāng)前我國深化金融體制改革和完善宏觀調(diào)控的重要內(nèi)容，也是我國加快金融體制改革的必要條件。當(dāng)前國務(wù)院正在加快推進(jìn)利率市場化改革，并將我國利率市場化改革目標(biāo)確定為：“穩(wěn)步推進(jìn)利率市場化，建立健全由市場供求決定的利率形成機制，中央銀行通過運用貨幣政策工具引導(dǎo)市場利率”。與此同時，利率市場化的進(jìn)程會對國民經(jīng)濟(jì)的各個部門產(chǎn)生直接或者間接的影響，商業(yè)銀行作為國民經(jīng)濟(jì)運行的重要樞紐，首當(dāng)其沖會受到較大影響，而且利率市場化給銀行業(yè)帶來的機遇與挑戰(zhàn)是最復(fù)雜而又最綜合的，其間可能涉及到銀行資產(chǎn)的風(fēng)險管理、銀行的市場化改革以及銀行內(nèi)控制度的建立與完善等一系列問題。因此，加快推進(jìn)利率市場化，必須明晰利率市場化會對我國商業(yè)銀行改革路徑的調(diào)整帶來哪些重大影響，從而有針對性的做到利率市場化風(fēng)險的防控，逐步實現(xiàn)符合利率市場化的商業(yè)銀行經(jīng)營體制與投融資體制的改革。 另外，利率市場化對我國商業(yè)銀行改革路徑的調(diào)整提出了客觀要求，主要包括：一是需要強化商業(yè)銀行資產(chǎn)負(fù)債的過程管理；二是需要優(yōu)化商業(yè)銀行資產(chǎn)負(fù)債管理的組織體制改革。在此基礎(chǔ)上，文章探討分析了我國商業(yè)銀行應(yīng)對利率市場化過程中存在的問題，這些問題主要有：商業(yè)銀行經(jīng)營收入結(jié)構(gòu)過分單一，，利差收入依賴性較強；缺乏市場化的存貸款利率形成環(huán)境，尚未形成利率自主形成機制；潛在的利率風(fēng)險與控制不匹配；由存貸比限制對綜合化經(jīng)營帶來的約束等。最后，根據(jù)這些存在的問題，文章提出了一些具有一定積極意義的對策建議，主要包括：調(diào)整優(yōu)化資產(chǎn)負(fù)債結(jié)構(gòu)，拓展多元化營業(yè)收入；推動銀行制度與流程改革，強化“統(tǒng)一銀行”、“流程銀行”的理念和意識；建議監(jiān)管部門弱化存貸比考核，確保傳導(dǎo)路徑通暢；建議人民銀行形成相關(guān)政策支持，幫助中小商業(yè)銀行培養(yǎng)優(yōu)勢業(yè)務(wù)，走差異化發(fā)展道路；構(gòu)建以效益為核心的產(chǎn)品定價體系。
[Abstract]:The realization of interest rate marketization is an important content of deepening the reform of the financial system and perfecting the macro regulation and control in our country. It is also the necessary condition for our country to accelerate the reform of the financial system. The State Council is speeding up the reform of the interest rate marketization and determining the goal of the reform of the interest rate marketization of our country as "the steady promotion of the interest rate marketization and the establishment and perfection of the interest rate market." At the same time, the process of the interest rate marketization will have a direct or indirect effect on the various sectors of the national economy, and the commercial banks, as an important hub of the national economy, will be greatly affected. And the opportunity and challenge that the interest rate marketization brings to the banking industry is the most complex and most comprehensive, which may involve a series of problems, such as the risk management of the bank assets, the reform of the banking market and the establishment and improvement of the bank's internal control system. What important influence has been brought about by the adjustment of the reform path of the Bank of industry, so as to prevent and control the risk of the interest rate marketization, and gradually realize the reform of the commercial bank operating system and the investment and financing system that conforms to the interest rate marketization.
In addition, the interest rate marketization puts forward the objective requirements for the adjustment of the reform path of commercial banks in China. The first is to strengthen the process management of the assets and liabilities of commercial banks, and the two is to optimize the organizational system reform of the assets and liabilities management of commercial banks. On this basis, the article discusses and analyzes the interest rate of commercial banks in China. There are some problems in the process of marketization, which are mainly as follows: the operating income structure of commercial banks is too unitary, the income dependence of interest rate is strong, the interest rate of interest rate is not formed, the interest rate risk and control are not formed, the potential interest rate risk and control are not matched, and the comprehensive management zone is restricted by the restriction of the loan ratio. Finally, according to these existing problems, the article puts forward some positive suggestions, including: adjusting and optimizing the structure of assets and liabilities, expanding the diversification of business income, promoting the banking system and process reform, strengthening the concept and consciousness of "unified bank", "process bank", and recommending supervision. The Department weakens the loan ratio assessment to ensure that the transmission path is smooth; it is suggested that the people's Bank form the relevant policy support, help the small and medium commercial banks to train the advantage business, take the differential development road, and build the product pricing system with the benefit as the core.
【學(xué)位授予單位】：中共中央黨校
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.33

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