本文關(guān)鍵詞：利率市場(chǎng)化條件下我國(guó)城市商業(yè)銀行業(yè)務(wù)轉(zhuǎn)型研究　出處：《湘潭大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：利率市場(chǎng)化是金融自由化的必然要求，也是我國(guó)金融改革的核心目標(biāo)。1996年，我國(guó)從取消對(duì)同業(yè)拆借利率的管制開始，逐步進(jìn)行利率市場(chǎng)化改革。近年來，央行完全放開了銀行貸款利率的浮動(dòng)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(chǎng)化利率，但是現(xiàn)在絕大部分商業(yè)銀行仍然以擴(kuò)大存貸利差作為其增加利潤(rùn)的主要手段，這勢(shì)必會(huì)對(duì)其發(fā)展產(chǎn)生影響。在當(dāng)前利率市場(chǎng)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(yīng)對(duì)激烈的市場(chǎng)競(jìng)爭(zhēng)，提高自身競(jìng)爭(zhēng)力與盈利能力，各商業(yè)銀行紛紛探索轉(zhuǎn)變發(fā)展模式，而對(duì)于起步較晚、內(nèi)部治理結(jié)構(gòu)還不完善、市場(chǎng)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(guó)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(chǎn)規(guī)模擴(kuò)張較快，資本充足率和不良貸款率水平不斷朝更好的趨勢(shì)發(fā)展。但是隨著利率市場(chǎng)化的不斷發(fā)展，利率風(fēng)險(xiǎn)的不確定性增加了城市商業(yè)銀行應(yīng)對(duì)風(fēng)險(xiǎn)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(guó)有大型商業(yè)銀行和股份制商業(yè)銀行對(duì)其業(yè)務(wù)發(fā)展也形成了巨大挑戰(zhàn)。面對(duì)利率市場(chǎng)化的加速發(fā)展，城市商業(yè)銀行應(yīng)如何處理所面臨的各種風(fēng)險(xiǎn)？應(yīng)如何應(yīng)對(duì)金融環(huán)境的變化？其業(yè)務(wù)應(yīng)如何轉(zhuǎn)變從而提高自身競(jìng)爭(zhēng)力呢？這正是本文要研究的問題。 本文首先對(duì)利率市場(chǎng)化的相關(guān)理論進(jìn)行了論述，指出了進(jìn)行利率市場(chǎng)化的必要性，然后根據(jù)我國(guó)利率市場(chǎng)化的進(jìn)程分析了當(dāng)前我國(guó)城市商業(yè)銀行的現(xiàn)狀，并指出了當(dāng)前我國(guó)城市商業(yè)銀行發(fā)展中存在的不足。通過實(shí)際數(shù)據(jù)具體分析了利率市場(chǎng)化下，我國(guó)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(wù)存在的問題以及需要改進(jìn)的方向。這表明城商行應(yīng)該不斷進(jìn)行業(yè)務(wù)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(duì)北京銀行案例的分析，從應(yīng)對(duì)利率風(fēng)險(xiǎn)、提高非利息收入以及加強(qiáng)金融產(chǎn)品創(chuàng)新等方面提出了關(guān)于城市商業(yè)銀行業(yè)務(wù)創(chuàng)新的幾點(diǎn)政策建議，為其業(yè)務(wù)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(xué)位授予單位】：湘潭大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33

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