我国利率市场化下商业银行盈利能力影响分析
我国利率市场化下商业银行盈利能力影响分析(论文12000字)
Analysis of the influence of commercial bank's profitability in China's interest rate marketization
摘要
利率市场化的发展是当今金融行业发展所必要的一个过程也是必然的一个结果，也是我国现如今经济体制改革中核心问题。我国商业银行在利率市场化下，面临着巨大冲击和严峻挑战。而且与大型国有银行相比，中小银行在资产规模、传统业务竞争力、中间业务等方面发展相对滞后，并且其资金内部转移定价能力差以及利率风险管理能力弱。实施利率市场化后，中小银行净利差急剧收窄，而且会受到大型银行的竞争和压挤，明显处于劣势地位。对此，中小银行应对挑战时，不仅需要通过提高自身的经营能力和管理水平以实现业务结构调整和多元化经营，还更需要利用自身区域特征以及业务审批速度快等比较优势。在中小企业融资过程中，应充分发挥中小银行在贷款谈判、监督成本较低等优势，积极拓展中小企业融资业务，改善中小企业融资环境，实现共赢。这将是中小银行应对利率市场化的有效途径。
关键词：利率市场化 商业银行 表外业务 风险管理
Abstract
The development of interest rate marketization is a necessary stage in the development of financial industry. It is also a necessary result, and also a core issue in the reform of a country's economic system. With the advancement and deepening of China's interest rate marketization, China's commercial banks are facing enormous impact and severe challenges. Compared with the large state-owned banks, asset size, traditional business competitiveness, the development of intermediary business is relatively backward, funds transfer pricing ability is poor and weak interest rate risk management problems of small and medium-sized banks, the implementation of the interest rate market, small and medium-sized banks obviously at a disadvantage, the impact will be greater, not only net interest margin narrowed, more performance in the large bank competition and squeeze. Therefore, small and medium banks not only need to improve the ability and level of management to achieve business restructuring and diversification to meet the challenge, the more need to use their own regional characteristics and business approval speed advantage, in the process of financing of small and medium-sized enterprises, give full play to small and medium-sized banks in the loan negotiations, the advantage of low cost supervision, actively expand the financing of small and medium-sized enterprises, improve the financing environment of small and medium-sized enterprises, to achieve a win-win situation. This will be an effective way for small and medium-sized banks to deal with the liberalization of interest rates
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Keywords:Interest rate marketization Commercial banks Off-balance sheet business Risk management
目录
一、引论………………………………………………………1
（一）研究问题的背景和意义…………………………………………………………… 1
（二）国内外研究状况综述………………………………………………………………2
二、利率市场化相关概述…………………………………………………3
（一）利率市场化及其相关理论………………………………………………………… 3
（二）我国利率市场化进程及其评价……………………………………………………4
三、商业银行盈利能力简介………………………………………………7
（一）商业银行盈利能力…………………………………………………………………7
（二）影响商业银行盈利能力因素……………………………………………………8
四、在利率市场化的情况下我国商业银行的现状……………………………9
（一）净利润增速下滑，不良贷款率上升………………………………………8 [资料来源：http://Doc163.com]
（二）净息差逐步收窄………………………………………………………………8
（三）息差收入比重下降，中间业务增长成为增长点…………………………………8
五、利率市场化背景下商业银行的盈利策略……………………………………8
（一）抓住机遇调整业务结构，加快发展中间业务，增加非息收入…………………8
（二）建立完善的市场利率定价自律机制，加强风险管理能力……………………9
（三）积极利用互联网技术发展业务，提高创新能力，重视专人才的培养…………9
结语……………………………………………………………………………10
参考文献………………………………………………………………………11
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