利率市场化对商业银行的影响及对策说课讲解

利率市场化对商业银行的影响及对策

利率市场化对商业银行的影响及

对策

摘要

利率市场化是政府和中央银行放松和取消对利率的管制，使利率水平根据资金的市场供求关系来决定。利率市场化能够创造一个公平竞争的金融环境，从而提高金融系统的运作效率，促进经济的可持续发展。利率市场化是我国金融改革迈出的重大一步，从1996年开始，我国开始了利率市场化的进程，经过20年的推进，在2015年10月24日，我国完成了利率市场化的改革。

本文首先阐述了利率及利率市场化的意义和内涵，并探讨了实行利率市场化改革的必要性。其次，介绍了发达国家与发展中国家利率市场化的实践，得出国际经验对我国商业银行所带来的启示。然后再回顾我国利率市场化改革的进程，具体分析利率市场化对我国商业银行带来的影响，在此基础上，得出我国商业银行在利率市场化改革中应对的策略。

本文主要通过理论和实证相结合的方式论述了利率市场化对商业银行的影响，主要采用了比较分析法、文献综述法、归纳法等研究方法。本文先对利率及利率市场化的相关理论进行解释，总结了我国利率市场化改革的进程，说明了我国利率市场化改革的必要性。其次，通过定性分析和定量分析来探讨我国利率市场化对商业银行的影响，最后提出我国商业银行在利率市场化进程中的应对策略。

本文主要创新体现在以往的研究多以宏观层面为主，很少有针对某一商业银行这一具体层面的研究，所以本文可将利率市场化的微观表现具体地呈现，

并根据银行的具体情况提出相应的对策，对其他银行起到一个参考的作用，使我国商业银行更好地应对利率市场化的浪潮。

关键词:利率市场化东莞农村商业银行影响对策

ABSTRACT

Interest rate liberalization is the government and the central bank to relax and cancel the interest rate control, so that the level of interest rates in accordance with the market supply and demand of funds to determine. The marketization of interest rate can create a fair competition in the financial environment, so as to improve the operation efficiency of the financial system and promote the sustainable development of the economy, promote the sustainable development of economy. Interest rate market is a major step in China's financial reform, from the beginning of 1996, China began the process of marketization of interest rates, after 20 years of progress, China's interest rate market reform has made significant progress.

Firstly, this paper expounds the meaning and connotation of interest rate and interest rate market, and discusses the necessity of implementing the reform of interest rate marketization. Secondly, this paper introduces the practice of interest rate marketization between the developed countries and the developing countries, and draws the inspiration from the international experience to the commercial banks in China. Review the process of interest rate marketization reform in China, and analyze the impact of interest rate marketization on China's commercial banks, on the basis of this, we can draw a conclusion that China's commercial banks should be in the interest rate market reform strategy.

This paper discusses the impact of interest rate marketization on commercial banks mainly through the combination of theory and empirical analysis, the main use of the comparative analysis, literature review, induction and other research methods. The article focuses on the theory of interest rate and the interest rate market to explain, summed up China's market-oriented interest rate reform process, illustrates the necessity of China's market-oriented interest rate reform. Secondly, through the qualitative analysis and quantitative analysis to explore China's market-oriented