本文選題：利率市場化　切入點：商業(yè)銀行　出處：《天津財經(jīng)大學》2014年碩士論文　論文類型：學位論文

【摘要】：20世紀70年代歐美各國為擺脫“滯脹”困擾,相繼把金融自由化改革作為擺脫經(jīng)濟困境的突破口,金融管制的解除確實促進經(jīng)濟發(fā)展,金融自由化的浪潮也因此席卷全球。利率市場化作為金融自由化改革的重點在改善金融環(huán)境、提高金融系統(tǒng)運行效率和促進經(jīng)濟發(fā)展方面發(fā)揮了重要作用。我國作為世界經(jīng)濟一部分,面對如此世界之潮流不可能置身事外。改革開放以來,我國不斷推進經(jīng)濟體制的改革,對價格的管制不斷放開,資金價格——利率的開放問題也引起人們的注意。1992年我國提出建立市場經(jīng)濟體制的改革目標,作為金融體制改革重點的利率市場化在1993年被明確提出,1996年起我國正式啟動了利率市場化改革。利率市場化是一個龐大的系統(tǒng)性工程,其成敗關(guān)乎社會經(jīng)濟的穩(wěn)定,在吸收借鑒國際利率市場化改革正反兩方面經(jīng)驗的基礎(chǔ)上,我國利率市場化漸進式改革一步步穩(wěn)步推進。商業(yè)銀行在利率市場化改革中受到的沖擊最大,既面臨挑戰(zhàn)也迎來了發(fā)展機遇。而且入世之后,金融業(yè)對外開放程度不斷提高,外資銀行不斷大量進入國內(nèi)市場,十八屆三中全會提出了要不斷深化金融業(yè)對內(nèi)對外開放,自貿(mào)區(qū)的建立更是把商業(yè)銀行推到了最開放的國際市場環(huán)境進行競爭。商業(yè)銀行必須積極主動提高自身競爭力才能在日益激烈的市場競爭中生存發(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,闡釋了利率市場化的內(nèi)涵,從利率管制帶來的弊端和利率市場化帶來的益處正反兩方面闡釋了利率市場化的必要性。然后詳細歸納比較分析了國外不同國家的利率市場化改革歷程和特點,總結(jié)出對我國利率市場改革有益的經(jīng)驗教訓。最后梳理了我國利率市場化的改革歷程,分析了利率市場化給我國商業(yè)銀行帶來的利率風險,有針對性的提出了商業(yè)銀行應對利率市場化的對策,尤其是在利率風險管理方面提出了具體的策略措施和管理工具,以此來提高商業(yè)銀行的風險控制能力,增強商業(yè)銀行競爭力。
[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.
【學位授予單位】：天津財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.5;F832.33

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