本文選題：利率市場化 + 商業(yè)銀行　； 參考：《蘭州財經(jīng)大學》2017年碩士論文

【摘要】：20世紀70年代以來,經(jīng)濟一體化的浪潮席卷全球,推動了利率市場化的發(fā)展與快速實現(xiàn),也促進了世界經(jīng)濟一體化的進程。兩年前,我國利率市場化的改革已經(jīng)完成,存貸款利率將根據(jù)市場供求關系而自發(fā)決定,銀行存貸利差進一步收窄。以往商業(yè)銀行依賴傳統(tǒng)業(yè)務收入而獲得的高額利潤的情況不復存在,商業(yè)銀行穩(wěn)定持續(xù)發(fā)展將依托業(yè)務產(chǎn)品的創(chuàng)新與業(yè)務結構的轉型。構建起推動盈利能力增長的業(yè)務結構,不僅是商業(yè)銀行實現(xiàn)平穩(wěn)運營的基礎,也是商業(yè)銀行利潤實現(xiàn)穩(wěn)健增長的關鍵。利率市場化能為商業(yè)銀行帶來發(fā)展機遇,能迫使商業(yè)銀行轉變思路,提升自身競爭力。蘭州銀行成立二十年以來,為甘肅省地方經(jīng)濟建設做出了巨大貢獻。近幾年,積極推行“小微”與“三農(nóng)”業(yè)務的轉型,加大對中小企業(yè)的扶持力度。隨著利率市場改革的不斷深化,蘭州銀行面對的風險大大增加,依賴高利息收入獲得利潤的業(yè)務結構已經(jīng)不適應當前的經(jīng)濟了。另外,蘭州的盈利能力也將隨利率市場化的深化受到影響。本文對蘭州銀行公開的年度財務報表數(shù)據(jù)進行分析,具體研究在利率市場化背景下蘭州銀行傳統(tǒng)業(yè)務發(fā)展狀況、承擔風險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化的變革中,承擔的風險逐漸增大,傳統(tǒng)業(yè)務盈利能力正在減弱。文章最后提出了蘭州銀行應對利率市場化的發(fā)展建議,分別是積極構建集約內(nèi)涵型業(yè)務模式、探索發(fā)展財富管理業(yè)務、對業(yè)務和服務“精細化”和加強風險管控手段。
[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.
【學位授予單位】：蘭州財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.33

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