摘要中国人民银行决定对商业银行和农村合作金融机构等解除存款 利率浮动上限，这标志着我国利率市场化改革基本完成。发达国家的经验表明，市场导向 的利率改革导致了存贷利差收窄，加剧了银行对客户资源的竞争。我国银行业的利润长期 过度依赖于存贷利差，利润结构单一、客户缺乏细分，在此情况下对资本依赖小、服务个 性化的中间业务进入银行业视野。银行业务种类的转型，涉及到上市商业银行在利率市场 化进下的生存与发展。本文通过选取 16 家上市商业银行 2008-2015 年的财报数据，选取银 行规模、存贷比、资本充足率、成本收入比等参数，采用多元回归分析法，运用 spss 软件 研究中间业务与上市商业银行经营绩效的关系，得出利率市场化影响下中间业务对上市商 业银行的影响，探讨影响中间业务的因素，进而得出利率市场化影响下上市商业银行中间 业务如何发展的结论。77172

毕业论文关键词 利率市场化 中间业务 存贷利差

毕 业 论 文 外 文 摘 要

Title Research of Factors under the Influence of Interest Rate Market

Abstract From October 24, 2015, People's Bank of China decided to commercial banks and rural cooperative financial institutions to lift the upper limit of the floating interest rates on deposits, which marks the marketization reform of interest rates is substantially complete。 Experience of developed countries shows that market-oriented interest rate reform led to the deposit and loan spreads narrowed, intensified bank competition for customer resources。 Profits of China's banking industry long-term over-reliance on deposit and loan spreads, profit single structure, the lack of customer segments, in this case to rely on small capital, personalized service intermediary business into banking perspective。 Banking kind of transition comes to the survival and development of listed commercial banks in the interest rate market advanced。 By selecting 16 listed commercial banks 2008--2015 years of earnings data, select the size of banks, deposit-loan ratio, capital adequacy ratio of cost to income ratio and other parameters, using multiple regression analysis using spss software research intermediate business and listed commercial banks relationship management performance, come under the influence of the interest rate market impact of intermediate business of listed commercial banks to explore the factors that affect middle business, and then come to how interest rates affect the market of listed commercial banks intermediate business development conclusion。

Keywords Interest rate market , Intermediate Business , Savings and loan spreads

本 科 毕 业 论   文 第 I 页

目 次

1  绪 论 1

1。 1   选题背景与意义 1

1。 2   研究思路 1

1。 3   研究方法 2

2  利率市场化与中间业务概述 3

2。 1   利率市场化概述