本文選題：利率市場(chǎng)化 + 上市中小銀行　； 參考：《新疆財(cái)經(jīng)大學(xué)》2014年碩士論文

【摘要】：目前對(duì)于利率市場(chǎng)化的改革已到了存款利率上限這一最重要的根源。從我國銀行業(yè)普遍的盈利模式來看，商業(yè)銀行利潤(rùn)空間在一定時(shí)間區(qū)間內(nèi)將會(huì)隨著利率市場(chǎng)化改革的進(jìn)度深入而呈反向變化，也就是利率市場(chǎng)化的程度越高，商業(yè)銀行利潤(rùn)的空間將會(huì)越小。而為了攫取充分的利潤(rùn)，維持商業(yè)銀行在本行業(yè)競(jìng)爭(zhēng)中的相對(duì)優(yōu)勢(shì)，行業(yè)的內(nèi)部競(jìng)爭(zhēng)必然加劇，市場(chǎng)集中度一定時(shí)段內(nèi)將較以往有更大的波動(dòng)。同時(shí)，利率市場(chǎng)化一旦放開存款利率的上限，這將驅(qū)使商業(yè)銀行的ROE向平均行業(yè)ROE回歸。在這回歸過程中，我國上市中小銀行將承受巨大的改變經(jīng)營策略的壓力。改變對(duì)象將包括其在現(xiàn)階段所體現(xiàn)的收入渠道過窄、較大的吸存壓力等。同時(shí)，利率市場(chǎng)化又加大了我國上市中小銀行在運(yùn)營過程中的風(fēng)險(xiǎn)，關(guān)注利率風(fēng)險(xiǎn)，更審慎的選用經(jīng)營策略，將可能產(chǎn)生更大的運(yùn)營機(jī)會(huì)成本。 股東持有上市中小銀行股份的前提是持有股票能夠獲得正的風(fēng)險(xiǎn)溢價(jià)。當(dāng)上市中小銀行的運(yùn)營風(fēng)險(xiǎn)加大時(shí)，股東會(huì)要求更大的風(fēng)險(xiǎn)溢價(jià)做為風(fēng)險(xiǎn)的補(bǔ)償。這必然導(dǎo)致了我國上市中小銀行在利率市場(chǎng)化后，將會(huì)更大的承受來自股東的業(yè)績(jī)壓力。打造全能型的銀行不如打造專業(yè)化程度較高的、服務(wù)差異性更大的銀行，通過提供適合于客戶的金融支持來增加金融服務(wù)的差異性，以及增加金融服務(wù)的不可復(fù)制性。同時(shí)，上市中小銀行為了抵消存貸利息差的降低對(duì)業(yè)績(jī)的影響，可通過加大凈資本的額度，包括與同處中小銀行序列的其他銀行展開全方位的合作或?qū)ζ涫召�、兼并、重組；在本行的框架內(nèi)，結(jié)合本行的實(shí)際情況，，平衡收益與風(fēng)險(xiǎn)的情況下最大限度的提升杠桿率接近銀監(jiān)會(huì)規(guī)定的杠桿率上限；增加非利息收入在整個(gè)收入結(jié)構(gòu)中的比重是應(yīng)對(duì)息差收入下降所導(dǎo)致的整體業(yè)績(jī)下滑的必然選擇。
[Abstract]:At present, the reform of interest rate marketization has reached the most important root of deposit interest rate cap. From the general profit pattern of our banking industry, the profit space of commercial banks will change in reverse with the progress of interest rate marketization reform in a certain period of time, that is, the higher the degree of interest rate marketization, Commercial bank profit space will be smaller. In order to obtain sufficient profits and maintain the relative advantages of commercial banks in the competition of the industry, the internal competition of the industry will inevitably intensify, and the market concentration will fluctuate more in a certain period of time than in the past. At the same time, once the interest rate liberalization liberalizes the upper limit of deposit rate, this will drive the ROE of commercial banks back to the average industry ROE. In the process of return, the small and medium-sized banks in our country will bear the enormous pressure of changing the management strategy. The object of change will include too narrow income channel and large pressure of sucking. At the same time, the marketization of interest rate increases the risk of the small and medium-sized banks in our country, pays attention to the risk of interest rate, and selects the management strategy more prudently. Shareholders hold stakes in small and medium-sized banks on the premise that they receive a positive risk premium. When the operational risk of small and medium-sized listed banks increases, shareholders will demand a greater risk premium as a compensation for risk. This will inevitably lead to China's listed small and medium-sized banks in the interest rate marketization, will be more to bear the performance pressure from shareholders. To build a comprehensive bank is better than to create a more specialized, more differentiated bank, by providing appropriate financial support for customers to increase the diversity of financial services, and increase the non-replicable nature of financial services. At the same time, in order to offset the impact on the performance caused by the decrease of interest difference between deposit and loan, the listed small and medium-sized banks can increase the amount of net capital, including the all-around cooperation with other banks in the same small and medium-sized bank sequence, or the acquisition, merger and reorganization of them; Within the framework of the Bank, combined with the actual situation of the Bank, the maximum leverage ratio under the condition of balancing income and risk is close to the upper limit of the leverage ratio stipulated by the CBRC; Increasing the proportion of non-interest income in the whole income structure is the inevitable choice to deal with the decline in overall performance caused by the fall in interest income.
【學(xué)位授予單位】：新疆財(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;F832.3

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