發(fā)布時(shí)間：2018-03-22 22:04

  本文選題：利率市場(chǎng)化　切入點(diǎn)：商業(yè)銀行　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

【摘要】：20世紀(jì)70年代歐美各國(guó)為擺脫“滯脹”困擾,相繼把金融自由化改革作為擺脫經(jīng)濟(jì)困境的突破口,金融管制的解除確實(shí)促進(jìn)經(jīng)濟(jì)發(fā)展,金融自由化的浪潮也因此席卷全球。利率市場(chǎng)化作為金融自由化改革的重點(diǎn)在改善金融環(huán)境、提高金融系統(tǒng)運(yùn)行效率和促進(jìn)經(jīng)濟(jì)發(fā)展方面發(fā)揮了重要作用。我國(guó)作為世界經(jīng)濟(jì)一部分,面對(duì)如此世界之潮流不可能置身事外。改革開(kāi)放以來(lái),我國(guó)不斷推進(jìn)經(jīng)濟(jì)體制的改革,對(duì)價(jià)格的管制不斷放開(kāi),資金價(jià)格——利率的開(kāi)放問(wèn)題也引起人們的注意。1992年我國(guó)提出建立市場(chǎng)經(jīng)濟(jì)體制的改革目標(biāo),作為金融體制改革重點(diǎn)的利率市場(chǎng)化在1993年被明確提出,1996年起我國(guó)正式啟動(dòng)了利率市場(chǎng)化改革。利率市場(chǎng)化是一個(gè)龐大的系統(tǒng)性工程,其成敗關(guān)乎社會(huì)經(jīng)濟(jì)的穩(wěn)定,在吸收借鑒國(guó)際利率市場(chǎng)化改革正反兩方面經(jīng)驗(yàn)的基礎(chǔ)上,我國(guó)利率市場(chǎng)化漸進(jìn)式改革一步步穩(wěn)步推進(jìn)。商業(yè)銀行在利率市場(chǎng)化改革中受到的沖擊最大,既面臨挑戰(zhàn)也迎來(lái)了發(fā)展機(jī)遇。而且入世之后,金融業(yè)對(duì)外開(kāi)放程度不斷提高,外資銀行不斷大量進(jìn)入國(guó)內(nèi)市場(chǎng),十八屆三中全會(huì)提出了要不斷深化金融業(yè)對(duì)內(nèi)對(duì)外開(kāi)放,自貿(mào)區(qū)的建立更是把商業(yè)銀行推到了最開(kāi)放的國(guó)際市場(chǎng)環(huán)境進(jìn)行競(jìng)爭(zhēng)。商業(yè)銀行必須積極主動(dòng)提高自身競(jìng)爭(zhēng)力才能在日益激烈的市場(chǎng)競(jìng)爭(zhēng)中生存發(fā)展。本文首先從利率管理的角度分析了不同管制和自由程度的利率管理方式的優(yōu)缺點(diǎn),闡釋了利率市場(chǎng)化的內(nèi)涵,從利率管制帶來(lái)的弊端和利率市場(chǎng)化帶來(lái)的益處正反兩方面闡釋了利率市場(chǎng)化的必要性。然后詳細(xì)歸納比較分析了國(guó)外不同國(guó)家的利率市場(chǎng)化改革歷程和特點(diǎn),總結(jié)出對(duì)我國(guó)利率市場(chǎng)改革有益的經(jīng)驗(yàn)教訓(xùn)。最后梳理了我國(guó)利率市場(chǎng)化的改革歷程,分析了利率市場(chǎng)化給我國(guó)商業(yè)銀行帶來(lái)的利率風(fēng)險(xiǎn),有針對(duì)性的提出了商業(yè)銀行應(yīng)對(duì)利率市場(chǎng)化的對(duì)策,尤其是在利率風(fēng)險(xiǎn)管理方面提出了具體的策略措施和管理工具,以此來(lái)提高商業(yè)銀行的風(fēng)險(xiǎn)控制能力,增強(qiáng)商業(yè)銀行競(jìng)爭(zhēng)力。
[Abstract]:In the 1970s, in order to get rid of stagflation, European and American countries took the reform of financial liberalization as a breakthrough point to get rid of the economic predicament, and the deregulation of financial regulation did promote economic development. Therefore, the wave of financial liberalization has swept the world. As the reform of financial liberalization, marketization of interest rates is focused on improving the financial environment. Improving the operational efficiency of the financial system and promoting economic development have played an important role. As a part of the world economy, it is impossible for China to stay out of the world in the face of such a trend. Since the reform and opening up, China has continuously promoted the reform of the economic system. The control of price has been liberalized, and the opening of capital price-interest rate has also attracted people's attention. In 1992, China put forward the reform goal of establishing market economy system. Interest rate marketization, which is the key point of financial system reform, was clearly put forward in 1993, and interest rate marketization was officially launched in China in 1996. Interest rate marketization is a huge systematic project, and its success or failure is related to the stability of social economy. On the basis of absorbing and drawing lessons from the positive and negative aspects of international interest rate marketization reform, the gradual reform of interest rate marketization in China is advancing steadily step by step. The commercial banks have suffered the greatest impact in the interest rate marketization reform. After joining the WTO, the degree of opening up to the outside world of the financial industry has been continuously raised, and foreign banks have continuously entered the domestic market. The third Plenary session of the 18th CPC Central Committee proposed that the financial industry should continuously deepen its opening to the outside world within the country. The establishment of the free trade zone has pushed commercial banks to the most open international market environment for competition. Commercial banks must actively improve their competitiveness in order to survive and develop in the increasingly fierce market competition. From the angle of interest rate management, this paper analyzes the advantages and disadvantages of different regulation and free degree of interest rate management. The connotation of interest rate marketization is explained. This paper expounds the necessity of interest rate marketization from two aspects: the malpractice brought by interest rate regulation and the benefit of interest rate marketization. Then, the paper summarizes and compares the process and characteristics of interest rate marketization reform in different foreign countries. This paper summarizes the experience and lessons beneficial to the reform of interest rate market in China. Finally, it combs the reform course of interest rate marketization in China, and analyzes the interest rate risks brought by interest rate marketization to Chinese commercial banks. In order to improve the risk control ability of commercial banks, the paper puts forward the countermeasures to deal with the marketization of interest rate, especially the specific tactics and management tools in the aspect of interest rate risk management. Enhance the competitiveness of commercial banks.
【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)】：F832.5;F832.33

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