本文選題：利率市場化 + 村鎮(zhèn)銀行�。� 參考：《寧夏大學》2014年碩士論文

【摘要】：我國自1996年開始正式啟動利率市場化改革,到2013年底,距離告別利率管制時代、實現(xiàn)利率市場化僅剩一步之遙：放開對存款利率的管制。改革給商業(yè)銀行帶來機遇,也對商業(yè)銀行管理和適應能力帶來挑戰(zhàn)。村鎮(zhèn)銀行作為新型農(nóng)村金融機構(gòu),品牌弱,規(guī)模小,風險控制水平跟不上業(yè)務發(fā)展速度。利率市場化改革,一方面,促進了村鎮(zhèn)銀行經(jīng)營自主權(quán)的增加、機構(gòu)轉(zhuǎn)型、組織結(jié)構(gòu)和經(jīng)營機制完善；另一方面,也使其盈利能力受到影響、競爭壓力增加、資金定價難度加大、利率風險、流動性風險、信用風險等風險增加。本文主要通過理論和實證分析、定性和定量分析相結(jié)合的方法,論述寧夏A村鎮(zhèn)銀行現(xiàn)狀,分析利率市場化對A行發(fā)展的影響,并結(jié)合國內(nèi)外銀行應對利率市場化經(jīng)驗,提出A行應對利率市場化的對策。本文將對A行認清現(xiàn)狀,在利率市場化改革中把握機遇、克服挑戰(zhàn),實現(xiàn)可持續(xù)發(fā)展,對探討政府在政策方面如何引導、支持機構(gòu)發(fā)展等方面有重要意義。
[Abstract]:China began to formally start the reform of interest rate marketization since 1996. By the end of 2013, only one step left to realize interest rate marketization in the era of bid farewell interest rate control is to liberate the control of deposit interest rate. Reform brings opportunities to commercial banks and challenges the ability of commercial banks to manage and adapt. Village banks are the new rural financial machines. Structure, the brand is weak, the scale is small, the level of risk control can not keep up with the speed of business development. On the one hand, the interest rate marketization reform has promoted the increase of the management autonomy of the village and town banks, the institutional transformation, the organizational structure and the management mechanism. On the other hand, the profit ability is affected, the pressure of competition is increased, the difficulty of capital pricing is increased, interest rate wind is more difficult. Risk, liquidity risk, credit risk and other risks increase. This article mainly through the theoretical and empirical analysis, qualitative and quantitative analysis of the combination of methods, discuss the status of Ningxia A village banks, analysis of the impact of the interest rate market on the development of A, and combined with domestic and foreign banks to deal with the interest rate market experience, put forward the Countermeasures of the A bank to deal with the interest rate market. This article will recognize the status of the A line, grasp the opportunity in the reform of the interest rate market, overcome the challenges and realize the sustainable development. It is of great significance to discuss how the government guides the policy and support the development of the institution.

【學位授予單位】：寧夏大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.51;F832.35

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本文編號：1845409