本文選題：利率市場(chǎng)化 + 商業(yè)銀行　； 參考：《蘭州財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：20世紀(jì)70年代以來(lái),經(jīng)濟(jì)一體化的浪潮席卷全球,推動(dòng)了利率市場(chǎng)化的發(fā)展與快速實(shí)現(xiàn),也促進(jìn)了世界經(jīng)濟(jì)一體化的進(jìn)程。兩年前,我國(guó)利率市場(chǎng)化的改革已經(jīng)完成,存貸款利率將根據(jù)市場(chǎng)供求關(guān)系而自發(fā)決定,銀行存貸利差進(jìn)一步收窄。以往商業(yè)銀行依賴傳統(tǒng)業(yè)務(wù)收入而獲得的高額利潤(rùn)的情況不復(fù)存在,商業(yè)銀行穩(wěn)定持續(xù)發(fā)展將依托業(yè)務(wù)產(chǎn)品的創(chuàng)新與業(yè)務(wù)結(jié)構(gòu)的轉(zhuǎn)型。構(gòu)建起推動(dòng)盈利能力增長(zhǎng)的業(yè)務(wù)結(jié)構(gòu),不僅是商業(yè)銀行實(shí)現(xiàn)平穩(wěn)運(yùn)營(yíng)的基礎(chǔ),也是商業(yè)銀行利潤(rùn)實(shí)現(xiàn)穩(wěn)健增長(zhǎng)的關(guān)鍵。利率市場(chǎng)化能為商業(yè)銀行帶來(lái)發(fā)展機(jī)遇,能迫使商業(yè)銀行轉(zhuǎn)變思路,提升自身競(jìng)爭(zhēng)力。蘭州銀行成立二十年以來(lái),為甘肅省地方經(jīng)濟(jì)建設(shè)做出了巨大貢獻(xiàn)。近幾年,積極推行“小微”與“三農(nóng)”業(yè)務(wù)的轉(zhuǎn)型,加大對(duì)中小企業(yè)的扶持力度。隨著利率市場(chǎng)改革的不斷深化,蘭州銀行面對(duì)的風(fēng)險(xiǎn)大大增加,依賴高利息收入獲得利潤(rùn)的業(yè)務(wù)結(jié)構(gòu)已經(jīng)不適應(yīng)當(dāng)前的經(jīng)濟(jì)了。另外,蘭州的盈利能力也將隨利率市場(chǎng)化的深化受到影響。本文對(duì)蘭州銀行公開(kāi)的年度財(cái)務(wù)報(bào)表數(shù)據(jù)進(jìn)行分析,具體研究在利率市場(chǎng)化背景下蘭州銀行傳統(tǒng)業(yè)務(wù)發(fā)展?fàn)顩r、承擔(dān)風(fēng)險(xiǎn)的變化情況和盈利能力變化情況。分析得出,蘭州銀行在利率市場(chǎng)化的變革中,承擔(dān)的風(fēng)險(xiǎn)逐漸增大,傳統(tǒng)業(yè)務(wù)盈利能力正在減弱。文章最后提出了蘭州銀行應(yīng)對(duì)利率市場(chǎng)化的發(fā)展建議,分別是積極構(gòu)建集約內(nèi)涵型業(yè)務(wù)模式、探索發(fā)展財(cái)富管理業(yè)務(wù)、對(duì)業(yè)務(wù)和服務(wù)“精細(xì)化”和加強(qiáng)風(fēng)險(xiǎn)管控手段。
[Abstract]:Since the 1970s, the tide of economic integration has swept the world, promoting the development and rapid realization of interest rate marketization, and also promoting the process of world economic integration. Two years ago, the reform of interest rate marketization in China was completed, the interest rate of deposit and loan will be decided spontaneously according to the relationship between supply and demand in the market, and the difference between deposit and loan interest rate will be narrowed further. In the past, the high profits obtained by commercial banks based on traditional business income no longer exist. The stable and sustainable development of commercial banks will depend on the innovation of business products and the transformation of business structure. The construction of business structure to promote the growth of profitability is not only the basis for commercial banks to achieve smooth operation, but also the key to the steady growth of profits of commercial banks. Interest rate marketization can bring development opportunities for commercial banks, force commercial banks to change their thinking and enhance their own competitiveness. Lanzhou Bank has made great contributions to the local economic construction of Gansu Province since its establishment 20 years ago. In recent years, actively promote the "small" and "three rural" business transformation, increase support for small and medium-sized enterprises. With the deepening of the reform of interest rate market, the risk faced by Lanzhou Bank is greatly increased, and the business structure which relies on high interest income to obtain profits is no longer suitable for the current economy. In addition, Lanzhou's profitability will also be affected by the deepening of interest rate marketization. This paper analyzes the annual financial statement data of Lanzhou Bank, and specifically studies the traditional business development, risk taking and profitability of Lanzhou Bank under the background of interest rate marketization. The analysis shows that the risk of Lanzhou Bank is gradually increasing and the profitability of traditional business is weakening in the reform of interest rate marketization. Finally, the paper puts forward the development suggestions of Lanzhou Bank to deal with the marketization of interest rate, which are to construct intensively the intension business model, to explore the development of wealth management business, to "refine" the business and service and to strengthen the means of risk control.
【學(xué)位授予單位】：蘭州財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.33

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