本文選題：利率市場化　切入點(diǎn)：商業(yè)銀行　出處：《遼寧大學(xué)》2014年碩士論文

【摘要】：我國對利率市場化改革問題的研究由來已久。自上世紀(jì)90年代中期央行放開對同業(yè)拆借市場利率管制以來，我國對利率市場化的探索已走過18個(gè)年頭。黨的十八大報(bào)告中，，政府明確提出了要加快推進(jìn)金融體制改革，完善金融市場體系的意見。進(jìn)入2013年以來，我國利率市場化的步伐明顯加快：7月20日央行宣布解除對貸款利率的管制；8月22日我國首個(gè)自由貿(mào)易區(qū)——“上海自貿(mào)區(qū)”宣告成立；10月25日貸款基礎(chǔ)利率（LPR）集中報(bào)價(jià)與發(fā)布機(jī)制成功上線。這一系列重大措施的推進(jìn)，充分預(yù)示著我國利率實(shí)現(xiàn)全面市場化運(yùn)作已為時(shí)不遠(yuǎn)。 利率市場化改革是一項(xiàng)系統(tǒng)性，全面性的金融體制創(chuàng)新，隨著改革的不斷推進(jìn)，勢必會(huì)為整個(gè)金融市場帶來巨大的變革。商業(yè)銀行作為金融市場中重要的參與者，在利率機(jī)制的形成與利率定價(jià)中會(huì)受到何種沖擊，并應(yīng)當(dāng)采取何種措施應(yīng)對這一巨大變革，便成為學(xué)術(shù)界研究的熱點(diǎn)內(nèi)容之一。 本文前兩章在總結(jié)國內(nèi)外學(xué)者的理論研究基礎(chǔ)上，系統(tǒng)介紹了利率市場化相關(guān)理論中較為主流的觀點(diǎn)：如可貸資金理論、金融抑制論與金融自由化次序論。第三章分析了我國實(shí)施利率市場化的現(xiàn)狀與條件；第四章通過定性與定量分析方法全面分析了利率市場化進(jìn)程中商業(yè)銀行面對的機(jī)遇與挑戰(zhàn)；第五章選取了利率市場化改革中較為成功的典型美國與近鄰韓國，以及發(fā)展中國家中較早進(jìn)行改革卻不幸失敗的阿根廷作為我國利率市場化改革的典型示范，試圖從國外利率市場化改革中借鑒經(jīng)驗(yàn)，得到啟示。第六章結(jié)合我國國情，為國內(nèi)銀行提出了應(yīng)對利率變革的具體建議和措施。
[Abstract]:The research on interest rate marketization reform in China has a long history. Since the central bank liberalized the interbank lending market interest rate control in the mid-1990s, the exploration of interest rate marketization in China has gone through 18 years. In the report of the 18th National Congress of the CPC, The government has made it clear that it is necessary to speed up the reform of the financial system and improve the financial market system. The pace of interest rate marketization in our country has quickened obviously: on July 20, the central bank announced the deregulation of loan interest rate; on August 22, the first free trade zone of China-"Shanghai Free Trade Zone" was established; and on October 25, the loan base interest rate was reported in a concentrated report. Price and release mechanism has been successfully launched. This series of major measures to promote, Fully foreshadowed that China's interest rate to achieve a full-scale market-oriented operation has not far. The reform of interest rate marketization is a systematic and comprehensive financial system innovation. With the development of the reform, it is bound to bring great changes to the whole financial market. As an important participant in the financial market, commercial banks, What kind of impact will be taken in the formation of interest rate mechanism and the pricing of interest rate, and what measures should be taken to deal with this huge change has become one of the hot topics in academic research. The first two chapters of this paper, on the basis of summarizing the theoretical research of domestic and foreign scholars, systematically introduce the more mainstream viewpoints in the relevant theories of interest rate marketization, such as the theory of loanable funds, The third chapter analyzes the current situation and conditions of interest rate marketization in China, the fourth chapter comprehensively analyzes the opportunities and challenges faced by commercial banks in the process of interest rate marketization through qualitative and quantitative analysis. The fifth chapter selects the successful interest rate marketization model of the United States and South Korea, as well as the developing countries in the early but unfortunate failure of the reform of Argentina as a typical model of China's interest rate marketization reform. This paper tries to draw lessons from the foreign interest rate marketization reform and get enlightenment. Chapter VI puts forward concrete suggestions and measures to deal with the interest rate reform for domestic banks in combination with the national conditions of our country.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.1;F832.33

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