本文選題：農(nóng)村金融機(jī)構(gòu) + 內(nèi)部資金��； 參考：《寧夏大學(xué)》2017年碩士論文

【摘要】：2012年以來(lái),隨著中國(guó)不斷深化金融體制改革,中國(guó)人民銀行通過(guò)降低存款基準(zhǔn)利率、放開(kāi)金融機(jī)構(gòu)基準(zhǔn)利率上浮上線等多種手段,利率市場(chǎng)化深度與廣度不斷推向縱深。2015年,在連續(xù)五次降息、四次全面降準(zhǔn)、五次定向降準(zhǔn)及存款保險(xiǎn)制度出臺(tái)的大背景下,農(nóng)村金融機(jī)構(gòu)的生存面臨嚴(yán)峻挑戰(zhàn),如何尋找新的提高核心競(jìng)爭(zhēng)力的精細(xì)化管理方法,已經(jīng)成為當(dāng)下農(nóng)村金融機(jī)構(gòu)的核心難題。本文根據(jù)黃河農(nóng)村商業(yè)銀行當(dāng)前面臨的規(guī)模效應(yīng)遞減、凈息差水平逐漸收窄、內(nèi)部資金管理水平較低、利率風(fēng)險(xiǎn)管理不到位、原有內(nèi)部資金轉(zhuǎn)移定價(jià)方法落后等一系列問(wèn)題,提出了重構(gòu)內(nèi)部資金轉(zhuǎn)移定價(jià)的設(shè)想,并形成了一套完整的內(nèi)部資金轉(zhuǎn)移定價(jià)方案。通過(guò)本論文的研究,擬構(gòu)建該行內(nèi)部資金轉(zhuǎn)移定價(jià)方案體系的理論框架和模型,為國(guó)內(nèi)中小金融機(jī)構(gòu)尤其是農(nóng)村金融機(jī)構(gòu)全面推廣使用新的內(nèi)部資金管理定價(jià)模型提供借鑒作用。
[Abstract]:Since 2012, as China has deepened the reform of the financial system, the people's Bank of China has continuously pushed the depth and breadth of interest rate liberalization to a deeper depth by lowering the benchmark interest rate on deposits and opening up the benchmark interest rate of financial institutions to the line. Against the background of five consecutive interest rate cuts, four overall cuts, five directional cuts and the introduction of the deposit insurance system, the survival of rural financial institutions is facing severe challenges. How to find new and refined management methods to improve core competitiveness, It has become the core problem of rural financial institutions. According to a series of problems, such as decreasing scale effect, decreasing net interest margin level, low level of internal capital management, lack of interest rate risk management and backward pricing method of internal capital transfer, this paper is based on the decline of scale effect faced by the rural commercial banks of the Yellow River at present. This paper puts forward the idea of reconstructing internal fund transfer pricing and forms a complete set of internal fund transfer pricing scheme. Through the research of this paper, the paper intends to construct the theoretical framework and model of the internal fund transfer pricing scheme system of the bank. It provides a reference for the domestic small and medium-sized financial institutions, especially the rural financial institutions, to promote the use of the new internal capital management pricing model.
【學(xué)位授予單位】：寧夏大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.35;F830.42

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本文編號(hào)：1879314