本文選題：利率市場化 + 中間業(yè)務��； 參考：《安徽大學》2017年碩士論文

【摘要】：隨著我國金融市場和金融創(chuàng)新的不斷快速發(fā)展,商業(yè)銀行面臨的市場競爭越來越激烈。從20世紀80年代我國股份制銀行的設立,90年代城市商業(yè)銀行的組建,到2001年我國加入WTO,逐漸取消對外資銀行的限制,再到今天互聯網金融機構的紛紛出現,商業(yè)銀行的金融中介地位收到威脅,傳統(tǒng)的存貸業(yè)務逐漸萎縮。加上《巴塞爾協(xié)議Ⅲ》和我國《商業(yè)銀行資本管理辦法(試行)》的頒布,銀行收到的資本約束日益嚴格。此外,國家出臺一些了政策來積極引導銀行在主營業(yè)務之外創(chuàng)新產品和服務,加快中間業(yè)務發(fā)展。從2001年起,符合相關條件的商業(yè)銀行,可以申請辦理包括代理保險、投資基金等中間業(yè)務。根據2005年頒布的《商業(yè)銀行個人理財業(yè)務管理暫行辦法》和2006年頒布的《電子銀行業(yè)務管理辦法》,銀行的業(yè)務結構得到改善。另一方面,銀行是高風險行業(yè),銀行的盈利要通過承擔風險來獲得,風險管理是銀行經營成敗的關鍵因素,對銀行進行風險管理一直是金融監(jiān)管的重要工作。2007年華爾街危機席卷全球,世界經濟陷入蕭條,世界格局也動蕩不安,我國經濟的發(fā)展也毫不例外地遭受到金融危機的不斷沖擊。作為國民經濟當中至關重要的行業(yè),銀行業(yè)所處的外部環(huán)境以及內部需求也伴隨著金融危機悄然發(fā)生著變化。與此同時為了配合我國的利率市場化改革的繼續(xù)推進,我國對經濟結構做出了調整并不斷摸索著適合我國經濟發(fā)展的金融體制,這些變革對于我國的金融行業(yè)無疑是一個巨大的沖擊,不僅要求銀行業(yè)有更高的盈利能力,同時還要在風險防范上進行革新。在這樣的時代背景下,商業(yè)銀行唯有轉變發(fā)展方式,積極發(fā)展多樣化的中間業(yè)務,進一步提升自身的盈利能力,盡可能的減少對于主營業(yè)務收入的過分依賴性以降低經營風險,從而獲得長遠發(fā)展。因此在現階段,利率市場化基本完成的重要時刻,研究中間業(yè)務、利率市場化對中國上市銀行的影響具有重要意義。銀行發(fā)展中間業(yè)務是否對銀行的經營風險有影響,以及銀行發(fā)展中間業(yè)務如何影響銀行的經營風險。通過利率市場化的調節(jié)作用,研究了中間業(yè)務的開展對我國商業(yè)銀行的經營風險有著何種作用,實證結果表明:存貸利差會增加商業(yè)銀行的經營風險;中間業(yè)務收入增加會降低商業(yè)銀行的經營風險。據此給出了對策建議，依據理論分析以及實證分析的結果對降低我國商業(yè)銀行在利率市場化改革背景下的經營風險提出了針對性的改進對策：一方面商業(yè)銀行作為金融主體需要進一步拓寬業(yè)務范圍，開發(fā)新型的中間業(yè)務以及其他表外業(yè)務，同時需要對商業(yè)銀行內部人才進行擴充和培養(yǎng)，，并且制定科學合理的定價機制以及強化企業(yè)的風險控制；另一方面政府應當發(fā)揮應有的調控作用，為商業(yè)銀行等金融機構提供良好的金融運作環(huán)境，且相關的金融監(jiān)管部門如銀監(jiān)會、央行等也應發(fā)揮其監(jiān)管和調控作用。
[Abstract]:With the rapid development of China's financial markets and financial innovation, commercial banks are facing increasingly fierce market competition in China in 1980s. From the establishment of joint-stock banks, city commercial banks set up in 90s to 2001, China's accession to WTO, foreign capital bank to cancel restrictions gradually, to today's Internet financial institutions there, commercial bank's financial intermediary position threatened, traditional deposit and loan business is gradually shrinking. Plus < Basel 3 > and China's "commercial bank capital management (Trial)" promulgated, the constraint of bank capital received more strictly. In addition, the state has adopted some policies to actively guide the bank outside the main business innovation of products and services, accelerate the development of intermediary business. From 2001 onwards, in accordance with the relevant conditions of commercial banks, including the agency can apply for insurance, investment funds and other intermediary business. According to the 2005 enactment of the "commercial bank personal financial business Interim Measures issued in 2006 > and < > management of electronic banking, the bank's business structure has been improved. On the other hand, the bank is a high risk industry, the profitability of banks to get through risk, risk management is a key factor in business success or failure of the bank. The bank risk management has been an important work of.2007 financial supervision over the Wall Street crisis sweeping the globe, the world economic recession, the world situation is turbulent, the economic development of our country is no exception to suffer the impact of the financial crisis. As the industry is the national economy, the banking industry to the external environment and internal the demand is also accompanied by financial crisis is quietly changing. At the same time in order to meet the interest rate marketization reform in our country continue to promote China's economy to. The adjusted and constantly groping for the economic development of our country's financial system, this change is undoubtedly a huge impact on China's financial industry, not only requires banks with higher profitability, but also to carry out the innovation in risk prevention. In this background, commercial banks have to change the mode of development, actively develop the intermediary business diversification, to further enhance their profitability, as far as possible to reduce the excessive dependence of main business income to reduce business risk, so as to obtain long-term development. At this stage, an important moment in the interest rate market basically completed the study of intermediate business, interest rate marketization has important significance the influence of the listed banks. Chinese bank intermediary business development have any effect on the bank's operational risk, and how to influence the development of intermediate business bank bank business The risk. By adjusting the role of the interest rate market, to carry out research of intermediate business has the role of China's commercial banks operating risk, the empirical results show that: the deposit rate will increase the operating risk of commercial banks; the increase in intermediate business income will reduce the operating risk of commercial banks. It puts forward the countermeasures and suggestions, on the basis of theoretical analysis and the results of empirical analysis to reduce the background of China's commercial banks in the interest rate marketization reform under the operating risk and puts forward corresponding improvement countermeasures: on the one hand, the commercial banks as financial entities need to further expand the scope of business, intermediate business development model and other sheet business, at the same time, the need for qualified commercial banks internal expansion and training, and set up a scientific and rational pricing mechanism and strengthen risk control of enterprises; on the other hand, the government should play its control It can provide a good financial operation environment for commercial banks and other financial institutions, and the relevant financial regulatory departments, such as the Banking Regulatory Commission and the central bank, should also play a regulatory role.

【學位授予單位】：安徽大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.3;F832.5

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