本文選題：利率市場化 + 縣域商業(yè)銀行　； 參考：《對外經(jīng)濟貿(mào)易大學》2015年碩士論文

【摘要】：利率市場化改革是我國金融開放的必然選擇,是金融深化的前提條件和核心內(nèi)容。隨著利率市場化改革的深入推進,商業(yè)銀行利差空間不斷收窄,我國商業(yè)銀行面臨前所未有的挑戰(zhàn),同時也面臨業(yè)務經(jīng)營轉(zhuǎn)型的重大機遇。作為我國金融體系中的重要組成部分和最接近底層的金融機構(gòu),縣域支行與城區(qū)商業(yè)銀行相比機構(gòu)遍布廣、數(shù)量多,有著利潤來源單一、存貸款定價能力弱、客戶結(jié)構(gòu)較差、人才重視程度不夠等特殊的經(jīng)營特點,在此情況下,研究利率市場化及其對縣域支行的影響表現(xiàn)的更為突出,利率市場化背景下縣域支行的如何調(diào)整經(jīng)營策略、搶占市場先機就顯得尤為重要。本文通過回顧利率市場化相關(guān)理論、分析國內(nèi)外利率市場化的發(fā)展進程和產(chǎn)生原因以及我國實現(xiàn)利率市場化的條件,結(jié)合縣域支行的經(jīng)營特點,提出縣域商業(yè)銀行應當珍惜利率市場化改革的良機,積極推進業(yè)務經(jīng)營轉(zhuǎn)型,在資產(chǎn)負債精細化管理、中間業(yè)務創(chuàng)新發(fā)展、人才隊伍建設(shè)上加快制度和行為完善。在資產(chǎn)負債精細化管理上從調(diào)整負債結(jié)構(gòu)、構(gòu)建定價模型、以貸款助力城鎮(zhèn)化發(fā)展等幾方面提出建議;在中間業(yè)務創(chuàng)新發(fā)展上對零售條線的產(chǎn)品和服務創(chuàng)新以及公司條線的投行業(yè)務上做出了分析,并提出了個人住房貸款和代理農(nóng)作物營銷兩種產(chǎn)品創(chuàng)新的模式,提供參考;在人才隊伍建設(shè)方面從內(nèi)外部角度出發(fā),提出了加強人才建設(shè)的建議。以此為縣域支行在縮小與城區(qū)商業(yè)銀行的差距,更好的適應利率市場化改革提供了實際經(jīng)營參考。
[Abstract]:The reform of interest rate marketization is the inevitable choice of China's financial opening and the precondition and core content of financial deepening. With the deepening of the reform of interest rate marketization, the margin of interest rate of commercial banks has been narrowed. The commercial banks in China are facing unprecedented challenges as well as great opportunities for business transformation. As an important part of China's financial system and the closest to the bottom of the financial institutions, the county branch compared with the city commercial banks have a wide range of institutions, a large number of organizations, a single source of profits, weak pricing power of deposits and loans, poor customer structure. In this case, it is more prominent to study the marketization of interest rate and its influence on the county branch, and how to adjust the management strategy of the county branch under the background of interest rate marketization. Preempting the market is particularly important. By reviewing the relevant theories of interest rate marketization, this paper analyzes the development process and causes of interest rate marketization at home and abroad, and the conditions for realizing interest rate marketization in China, combining with the management characteristics of county branch banks. It is pointed out that county commercial banks should cherish the opportunity of interest rate marketization reform, actively promote the business operation transformation, accelerate the perfection of system and behavior in the fine management of assets and liabilities, the innovation and development of intermediate business, and the construction of talent team. On the fine management of assets and liabilities, some suggestions are put forward from the aspects of adjusting the structure of liabilities, constructing the pricing model and helping the development of urbanization with loans. This paper analyzes the product and service innovation of the retail line and the investment banking business of the company in the development of intermediate business innovation, and puts forward two product innovation modes of personal housing loan and agency crop marketing, providing reference; From the internal and external point of view, the author puts forward some suggestions to strengthen the construction of talents. It provides a practical reference for the county branch to narrow the gap with the urban commercial banks and better adapt to the reform of interest rate marketization.
【學位授予單位】：對外經(jīng)濟貿(mào)易大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F832.33

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