我国中小商业银行针对利率市场化的策略分析

摘要

利率市场化作为我国金融领域的一项重要改革，一直在有序推进并基本完成。进行利率市场化改革能够有效利用市场提高资源效率，防范金融风险、稳定金融秩序。 本文通过对利率市场化进行理论研究，阐述了我国利率市场化改革的步骤，分析了利率市场化对我国中小商业银行带来的影响，其目的在于探讨在利率市场化下我国中小商业银行的应对措施。在利率市场化条件下，会加大商业银行的利率风险、信用风险，对我国中小商业银行的传统存贷业务形成冲击，促进非利差业务的发展。面对这些挑战，本文对中小商业银行提出了几点建议，如促进中间业务的发展、建立利率风险防范机制，实行特色化经营，为提高我国商业银行在利率市场化条件下的竞争力提供可行性的思考。

关键词　利率市场化 中小商业银行 对策

Abstract

Interest rate market as an important reform of China's financial sector, has been in an orderly and basically completed.The reform of interest rate marketization can effectively utilize the market to improve the efficiency of resources, guard against financial risks, and stabilize the financial order.Based on the theory of interest rate marketization, this paper expounds the steps of interest rate marketization reform in China, analyzes the impact of interest rate liberalization on China's small and medium sized commercial banks.The purpose of the study is to discuss the Countermeasures of China's small and medium sized commercial banks in the interest rate market.Under the condition of interest rate marketization, commercial banks will increase the interest rate risk, credit risk, the impact on the formation of small and medium sized commercial banks in the traditional deposit and loan business, promote the development of non interest business.In the face of these challenges, this paper puts forward some suggestions on small and medium-sized commercial banks, such as promoting the development of the intermediary business, the establishment of the interest rate risk prevention mechanism, the implementation of special operations, to provide the feasibility on improving the competitiveness of Chinese commercial banks under the condition of interest rate marketization.

目录

摘要 I

一、 中国的利率市场化过程 2

二、利率市场化对我国中小商业银行的影响 4

（一）利率市场化对我国中小商业银行的不利因素 4

1.银行间竞争加剧，传统业务利润下降 4

2银行经营风险及信用风险管控难度大增. 5

3.传统的业务结构受到冲击 5

4.银行的资本扩充难度加大 6

（二）利率市场化给我国中小商业银行带来的机遇 6

1公平竞争的环境. 6

2.银行中间业务大发展 7

3.银行业务及市场结构的调整 8

三、利率市场化下我国中小商业银行的策略分析 9

（一）吸收国外银行应对经验 9

（二）合理进行业务调整 9

（三）建立科学的金融产品定价机制 10

（四）建立完善的利率风险管理机制 10

（五）发展创新金融产品 11

（六）实行特色化经营 11

（七）注重人才培养 12

参考文献 13

致谢 13