金融改革到市场利率化对中国银行业的影响-中英文版

摘要

近年来，人民银行先后推出放开金融机构贷款利率下线，存款执行上浮基准利率10%的政策，标志着我国利率市场化迈出了突破性的一步，利率市场化迫在眉睫。利率市场化将对我国银行业资产经营模式、资产负债管理能力、风险管理能力、内控管理机制都提出更高的要求。如何应对利率市场化的要求，提高经营管理水平，将是中国银行业面临的重要课题。本文将就金融改革到市场利率化对中国银行业的影响进行研究，重点从研究背景、利率市场化对金融机构的影响、金融机构应对利率市场化的有效实践与面临的挑战、利率市场化背景下金融机构相关建议等四个方面进行了研究。

关键词：金融改革  利率市场化  银行业  影响

Abstract

In recently years,People’s bank has launched to open the lending rate referral of financial institutions,the deposits to  implement the policy of floating benchmark rate 10%,which marked a breakthrough step of China's interest rate marketization.Interest rate marketization will put forward higher requirements to  our bank industry’s assets operating ability, assets liability managing ability,risk managing ability and internal control mechanism. How to response interest rate marketization demand, improve operating management level will be the important topic which Chinese banking faced. This article will make a study of  the influence  to Chinese banking from financial reform to market interest rate, focus on the four aspects : study background, interest rate marketization to the impact on financial institutions, financial institutions response  to interest rate marketization’s effective practice and challenge, financial institutions related recommendations under the background of interest rate liberalization.

Keywords: financial reform    interest rate marketization  banking industry     influence

目  录

一、研究背景 3

二、利率市场化对金融机构的影响 4

（一）对银行业务发展产生影响 4

（二）加大银行利率风险和利率管理的难度 5

（三）缩小存贷利差，削弱竞争力 5

（四）对金融机构管理提出挑战 5

三、金融机构应对利率市场化的有效实践与面临的挑战 6

（一）金融机构应对利率市场化的有效实践 6

1.通过建立定价模型，逐步提高定价能力 6

2.逐步建立了利率定价管理系统 7

（二）金融机构面临的挑战 7

四、利率市场化背景下金融机构相关建议 8

（一）认清利率市场化带来的挑战 8

（二）重点做好利率风险和流动性风险管理 9

（三）更加注重质量效益，着力实现内涵式发展 9

（四）注重精细化管理，提高经营效益和核心竞争力 9

（五）加快推进金融业务转型发展 10

1.推进个人金融业务发展，适应市场需求 10

2.做好公司业务拓展，优化资产负债结构 10

参考文献 12

Contents

1 Research background 4

2 Interest rate marketization to the influence of financial institutions 6

2.1 Generate influence to banking business development 6

2.2 Increase bank interest rates risk and rates managing difficulty 7

2.3 Narrow loan spreads,weaken competitiveness 7

2.4 Put forward challenges to financial institution management 7

3 Financial institutions response to the effective practice and challenge to the interest rate marketization 9

3.1 Financial institutions response the effective practice to the interest rate marketization 9

3.1.1 Gradually improve pricing ability by establishing pricing model 9

3.1.2 Gradually establish management system of interest rate pricing 9

3.2 The challenges which the financial institutions faced 10

4 Related suggestion on financial institution under the background of interest rate marketization 12

4.1 Recognize the challenge that the interest rate marketization brought 12

4.2 Focus on interest rate risk and liquidity risk management 12

4.3 Focus on quality efficience to achieve intensive development 13

4.4 Focus on delicate management,improve operating benefit and core competitiveness 13

4.5 Speed up financial business’s transformational development 14

4.5.1 Push personal financial business development,adapt to market requirement 14

4.5.2 Do well in company business expansion,optimize assets liability construction 15

References 16