本文關鍵詞：利率市場化條件下我國城市商業(yè)銀行業(yè)務轉型研究　出處：《湘潭大學》2014年碩士論文　論文類型：學位論文

  更多相關文章： 利率市場化 城市商業(yè)銀行 業(yè)務轉型 中間業(yè)務收入

【摘要】：利率市場化是金融自由化的必然要求，也是我國金融改革的核心目標。1996年，我國從取消對同業(yè)拆借利率的管制開始，逐步進行利率市場化改革。近年來，央行完全放開了銀行貸款利率的浮動下限，存款利率仍存在管制。金融一體化以及全球化的發(fā)展要求不斷完善的市場化利率，但是現(xiàn)在絕大部分商業(yè)銀行仍然以擴大存貸利差作為其增加利潤的主要手段，這勢必會對其發(fā)展產生影響。在當前利率市場化加速發(fā)展的環(huán)境下，各種類型的商業(yè)銀行存貸利差縮小，銀行的利息凈收入減少。為了應對激烈的市場競爭，提高自身競爭力與盈利能力，各商業(yè)銀行紛紛探索轉變發(fā)展模式，而對于起步較晚、內部治理結構還不完善、市場份額與整體規(guī)模較小的城市商業(yè)銀行來說，無疑是更大的挑戰(zhàn)。隨著中國金融環(huán)境的不斷完善，城市商業(yè)銀行得到迅速發(fā)展，資產規(guī)模擴張較快，資本充足率和不良貸款率水平不斷朝更好的趨勢發(fā)展。但是隨著利率市場化的不斷發(fā)展，利率風險的不確定性增加了城市商業(yè)銀行應對風險的難度，凈利差的縮小降低了城市商業(yè)銀行的盈利水平，此外，國有大型商業(yè)銀行和股份制商業(yè)銀行對其業(yè)務發(fā)展也形成了巨大挑戰(zhàn)。面對利率市場化的加速發(fā)展，城市商業(yè)銀行應如何處理所面臨的各種風險？應如何應對金融環(huán)境的變化？其業(yè)務應如何轉變從而提高自身競爭力呢？這正是本文要研究的問題。 本文首先對利率市場化的相關理論進行了論述，指出了進行利率市場化的必要性，然后根據(jù)我國利率市場化的進程分析了當前我國城市商業(yè)銀行的現(xiàn)狀，并指出了當前我國城市商業(yè)銀行發(fā)展中存在的不足。通過實際數(shù)據(jù)具體分析了利率市場化下，我國城市商業(yè)銀行的發(fā)展出現(xiàn)了何種變化。并通過北京銀行的案例分析指出了城市商業(yè)銀行各類業(yè)務存在的問題以及需要改進的方向。這表明城商行應該不斷進行業(yè)務創(chuàng)新來改善盈利能力。最后根據(jù)城商行的現(xiàn)狀、存在的問題以及對北京銀行案例的分析，從應對利率風險、提高非利息收入以及加強金融產品創(chuàng)新等方面提出了關于城市商業(yè)銀行業(yè)務創(chuàng)新的幾點政策建議，為其業(yè)務管理提供參考。
[Abstract]:Interest rate liberalization is the inevitable requirement of financial liberalization and the core goal of China's financial reform. In 1996, China began to abolish the regulation of interbank offered rate. In recent years, the central bank has completely liberalized the lower limit of the floating interest rate of bank loans. There are still controls on deposit interest rates. The development of financial integration and globalization requires the continuous improvement of market-oriented interest rates, but now most commercial banks still take the spread of deposit and loan interest rate as the main means to increase their profits. This is bound to have an impact on its development. In the current interest rate marketization accelerated development environment, the various types of commercial banks deposit and loan interest margin narrowing, bank interest net income reduced. In order to cope with the fierce market competition. To improve their competitiveness and profitability, the commercial banks have explored the transformation of the development model, but for the city commercial banks that start late, the internal governance structure is not perfect, market share and overall scale of the small commercial banks. With the continuous improvement of China's financial environment, urban commercial banks have developed rapidly, and the scale of assets has expanded rapidly. The level of capital adequacy ratio and non-performing loan ratio are developing towards better trend, but with the development of interest rate marketization, the uncertainty of interest rate risk increases the difficulty of city commercial banks to deal with the risk. The reduction of net interest margin reduces the profit level of urban commercial banks, in addition, the state-owned large commercial banks and joint-stock commercial banks have also posed a great challenge to their business development, facing the accelerated development of interest rate marketization. How should the city commercial banks deal with the various risks they face? How to cope with the changes in the financial environment? How can its business be transformed to improve its competitiveness? This is precisely the question that this text wants to study. This paper first discusses the relevant theories of interest rate marketization, points out the necessity of interest rate marketization, and then analyzes the current situation of China's urban commercial banks according to the process of interest rate marketization. It also points out the shortcomings in the development of urban commercial banks in China and analyzes the interest rate marketization through the actual data. Through the case study of Beijing Bank, the paper points out the problems existing in all kinds of business of city commercial banks and the direction to be improved. This indicates that city commercial banks should continue to advance. Bank business innovation to improve profitability. Finally, according to the status quo of the City Merchants. The existing problems and the case analysis of Beijing Bank, from the response to interest rate risk, improve non-interest income and strengthen the innovation of financial products, put forward a few policy recommendations on the business innovation of urban commercial banks. To provide reference for its business management.
【學位授予單位】：湘潭大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.33

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