【摘要】：利率市場化是我國改善宏觀調(diào)控的手段和效果的有效途徑,也是我國進行金融市場改革的重要環(huán)節(jié)之一。利率市場化的改革是一個長期、艱難的過程,尤其是對于像我國這樣的發(fā)展中國家而言,由于國家的經(jīng)濟基礎(chǔ)薄弱,抗沖擊能力較差,只能通過采取漸進式的方法逐步推進利率市場化。實行利率市場化會給我國國有商業(yè)銀行帶來機遇的同時,也會讓其面臨諸多挑戰(zhàn)。國有商業(yè)銀行應(yīng)結(jié)合我國經(jīng)濟發(fā)展的國情和利率市場化已取得的成果,借鑒國外利率市場化成功的經(jīng)驗、吸取國外失敗的教訓(xùn),并具體分析利率市場化會給我國商業(yè)銀行帶來包括打破“金融抑制”、維持利率水平、轉(zhuǎn)變自主定價模式等在內(nèi)的難得的機會和存貸利差、利率風(fēng)險以及優(yōu)勢減弱等方面的困難,從而制定有效的政策、措施以把握機遇、積極應(yīng)對,在盡可能短的時間內(nèi)適應(yīng)金融環(huán)境的逐步變化,提高金融系統(tǒng)運行效率,促進經(jīng)濟發(fā)展的潛在能量發(fā)揮。本文研究在利率市場化條件下,分析我國國有商業(yè)銀行所面臨的機遇和挑戰(zhàn),并提出應(yīng)對策略,有一定的理論和實際意義。 本文在充分理解并闡述利率市場化含義及其基礎(chǔ)理論的基礎(chǔ)上,綜述了我國利率市場化的發(fā)展進程及其他國家在利率市場化改革中的成功經(jīng)驗和失敗教訓(xùn),總結(jié)了其他國家利率市場化給我國帶來具有借鑒意義的啟示。重點分析了利率市場化對我國國有商業(yè)銀行帶來的機遇及挑戰(zhàn),提出應(yīng)對策略。
[Abstract]:The marketization of interest rate is an effective way to improve the means and effect of macro-control in our country, and it is also one of the important links of financial market reform in our country. The reform of interest rate marketization is a long and difficult process, especially for a developing country such as China, because of its weak economic base and poor ability to resist shocks. Interest rate marketization can only be promoted step by adopting a gradual approach. The marketization of interest rate will bring opportunities to the state-owned commercial banks in our country, but will also make them face many challenges. The state-owned commercial banks should learn from the successful experience of foreign interest rate marketization and draw lessons from the failure of foreign countries according to the situation of our country's economic development and the achievements of interest rate marketization. It also analyzes concretely that marketization of interest rate will bring about rare opportunities and deposit and loan spreads for Chinese commercial banks, including breaking "financial repression", maintaining the level of interest rate, changing the independent pricing model, and so on. Interest rate risk and the difficulty of weakening advantages, so as to formulate effective policies and measures to seize the opportunity, actively respond to, adapt to the gradual changes in the financial environment in the shortest possible time, and improve the operational efficiency of the financial system. Potential energy to promote economic development. Under the condition of interest rate marketization, this paper analyzes the opportunities and challenges faced by state-owned commercial banks in China, and puts forward some countermeasures, which are of theoretical and practical significance. On the basis of fully understanding and expounding the meaning of interest rate marketization and its basic theory, this paper summarizes the development process of interest rate marketization in China and the successful experience and failure lessons of other countries in the interest rate marketization reform. This paper summarizes the enlightenment of interest rate marketization in other countries to our country. This paper analyzes the opportunity and challenge of interest rate marketization to state-owned commercial banks in China, and puts forward some countermeasures.
【學(xué)位授予單位】：東北財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.33

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