本文關(guān)鍵詞：利率市場(chǎng)化商業(yè)銀行中間業(yè)務(wù)拓展研究　出處：《天津財(cái)經(jīng)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：目前,利率市場(chǎng)化改革已成為下一步金融改革的重點(diǎn)課題之一,呈現(xiàn)出日益明顯的加速趨勢(shì),但在利率市場(chǎng)化的進(jìn)程中,國(guó)內(nèi)商業(yè)銀行在轉(zhuǎn)變傳統(tǒng)經(jīng)營(yíng)模式、提升利率風(fēng)險(xiǎn)管理能力和資金定價(jià)能力方面仍面臨著巨大的挑戰(zhàn)。如何應(yīng)對(duì)新趨勢(shì)下的機(jī)遇與挑戰(zhàn)成為了當(dāng)前商業(yè)銀行亟待解決的問題。2012年6月到7月間,在短短的,間隔還未到一個(gè)月的時(shí)間里,就連續(xù)兩次宣布要調(diào)整商業(yè)銀行的存貸款利率浮動(dòng)區(qū)間,貸款利率浮動(dòng)區(qū)間進(jìn)一步擴(kuò)大,并首次允許存款利率上浮。2013年7月,金融機(jī)構(gòu)貸款利率管制被中國(guó)人民銀行全面放開,同時(shí)金融機(jī)構(gòu)貸款利率0.7倍的下限被取消,在不打破商業(yè)原則的前提下,貸款利率水平可以由金融機(jī)構(gòu)自主確定。至此,利率市場(chǎng)化涉及我國(guó)貸款的工作基本完成,未來還剩下逐步擴(kuò)大存款利率上限、直至徹底放開這一最為關(guān)鍵的步驟。我國(guó)資金流通和運(yùn)作的中心是商業(yè)銀行,在利率市場(chǎng)化、金融托媒等背景下,商業(yè)銀行能否加速金融創(chuàng)新、提升創(chuàng)新業(yè)務(wù)和非利息收入比重對(duì)于整個(gè)金融體系改革具有示范作用。從金融創(chuàng)新角度看,一方面,利率市場(chǎng)化的作用初步顯現(xiàn),相應(yīng)牽扯到的金融產(chǎn)品定價(jià)權(quán)被賦予給了商業(yè)銀行,這一權(quán)利促進(jìn)和推動(dòng)了商業(yè)銀行開展金融創(chuàng)新的可能性；另一方面,商業(yè)銀行所面臨的空前加大的競(jìng)爭(zhēng)壓力也隨之而來,大大提升了利率風(fēng)險(xiǎn)。商業(yè)銀行只有通過持續(xù)有效的金融創(chuàng)新,才能規(guī)避利率風(fēng)險(xiǎn),這就需要大力發(fā)展中間業(yè)務(wù)。文章選取中間業(yè)務(wù)發(fā)展視角,結(jié)合國(guó)內(nèi)金融市場(chǎng)現(xiàn)狀,探討通過大力發(fā)展中間業(yè)務(wù)走出應(yīng)對(duì)利率市場(chǎng)化趨勢(shì)的可持續(xù)發(fā)展路徑。在第一章中引出本文的選題背景和意義,同時(shí)有選擇的闡述了相關(guān)領(lǐng)域的國(guó)內(nèi)外學(xué)者及其一些重要研究成果并介紹了本文的研究思路。本文的第二章主要闡述了我國(guó)商業(yè)銀行中間業(yè)務(wù)發(fā)展現(xiàn)狀并分析了在利率市場(chǎng)化背景下的現(xiàn)存問題。本文的第三章主要闡述了應(yīng)對(duì)利率市場(chǎng)化的有效手段是商業(yè)銀行發(fā)展中間業(yè)務(wù)。首先列舉了在利率市場(chǎng)化背景下哪些方面會(huì)對(duì)我國(guó)商業(yè)銀行產(chǎn)生影響,然后從幾個(gè)方面說明發(fā)展中間業(yè)務(wù)作為商業(yè)銀行應(yīng)對(duì)利率市場(chǎng)化手段的原因。第四章從經(jīng)營(yíng)環(huán)境、銀行自身、市場(chǎng)需求等方面闡述影響我國(guó)商業(yè)銀行中間業(yè)務(wù)發(fā)展的因素。第五章基于農(nóng)業(yè)銀行在利率市場(chǎng)化進(jìn)程中對(duì)中間業(yè)務(wù)的拓展論述我國(guó)商業(yè)銀行應(yīng)該如何應(yīng)對(duì)。
[Abstract]:At present, the interest rate marketization reform has become one of the key topics of the next financial reform, showing an increasingly obvious acceleration trend, but in the process of interest rate marketization, domestic commercial banks are changing the traditional business model. How to deal with the opportunities and challenges in the new trend has become an urgent problem for commercial banks to solve. From June 2012 to July, there are still enormous challenges to be faced in improving the ability of interest rate risk management and capital pricing. Between. In a short period of less than one month, it has been announced twice in a row that the floating range of deposit and loan rates of commercial banks will be adjusted, and the floating range of loan rates will be further expanded. In July 2013, the people's Bank of China fully liberalized the control of interest rates on loans from financial institutions, while the lower limit of 0.7 times the lending rate of financial institutions was abolished. On the premise of not breaking the commercial principle, the level of loan interest rate can be determined by financial institutions independently. At this point, the interest rate marketization involves the basic completion of the work of lending in China, and there will be a gradual expansion of the upper limit of deposit interest rate in the future. The center of capital circulation and operation of our country is commercial bank. Under the background of interest rate marketization and financial supporting medium, commercial bank can accelerate financial innovation. Raising the proportion of innovative business and non-interest income has a demonstration effect on the reform of the whole financial system. From the perspective of financial innovation, on the one hand, the role of interest rate marketization appears. The pricing power of financial products involved has been given to commercial banks, which promotes and promotes the possibility of financial innovation by commercial banks. On the other hand, the unprecedented competition pressure faced by the commercial banks also followed, greatly raising the interest rate risk. Commercial banks can avoid interest rate risk only through sustained and effective financial innovation. This requires the development of intermediary business. This article selects the perspective of intermediary business development, combined with the current situation of domestic financial markets. Through the development of intermediary business out of the interest rate marketization trend of sustainable development path. In the first chapter leads to the background and significance of this topic. At the same time, this paper selectively expounds the domestic and foreign scholars in related fields and some important research results, and introduces the research ideas of this paper. The second chapter of this paper mainly expounds the current situation of the development of intermediate business of commercial banks in China and analyzes the development of the intermediate business of commercial banks in China. The third chapter mainly expounds that the effective way to deal with the marketization of interest rate is the commercial bank to develop intermediate business. China's commercial banks have an impact. Then from several aspects to explain the development of intermediary business as a commercial bank to respond to the interest rate marketization means reasons. 4th chapter from the operating environment, the bank itself. Chapter 5th discusses how the commercial banks of our country should deal with the development of intermediary business based on the expansion of the intermediary business in the process of interest rate marketization by the Agricultural Bank of China.
【學(xué)位授予單位】：天津財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.2

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相關(guān)期刊論文 前1條

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本文編號(hào)：1393648