摘要自二十世纪70年代以来，尤其是近20年来，金融自由化快速发展，银行业务、经营管理、营业模式等都在快速发生迭代更替，银行经营创新不断。商业银行赖以生存的传统业务是资产和负债业务，但是随着经济体制改革不断完善，金融市场上不断涌现的新型金融机构和金融产品，压缩了银行的营业利润，对银行的生存造成了巨大的影响。本文通过对国际上其他国家利率市场化的过程和结果进行分析，讨论了利率市场化对商业银行产生的积极和消极影响，最后为商业银行提出了如何合理应对利率市场化的建议。77295

毕业论文关键字：利率市场化；改革；经营策略

Analysis of the impact of interest rate marketization on Commercial Banks

abstract Since the seventies of the 20th century, especially in the past 20 years, the financial freedom of rapid development, banking, business management, the business model are in rapid iteration occurs change, bank business innovation and continuous。 The traditional business of commercial bank to survive is the assets and liabilities of the business, but with the continuous improvement of the economic system reform, financial markets continue to emerge as the new financial institutions and financial products, compression of the bank's operating profit, causing a huge impact on the survival of the bank。 In this paper, by of other national and international interest rate marketization process and the results of the analysis, discusses the Marketization of interest rate of commercial banks has positive and negative Finally, it puts forward suggestions on how to reasonably deal with the interest rate market。

Keywords: marketization of interest rate; reform; management strategy

目录

0 引言 1

1利率市场化的理论研究 2

1。1利率市场化的定义 2

1。2我国利率市场化改革过程 2

2国外利率市场化对我国的启示 3

2。1美国利率市场化 3

2。2日本利率市场化改革进程 4

2。3阿根廷利率市场化改革进程 5

2。4国际利率市场化经验与教训 5

3利率市场化对商业银行的双重影响 6

3。1利率市场化对商业银行的积极影响 6

3。1。1促进银行业平等竞争，提高管理水平 6

3。1。2扩大商业银行的影响，提高其自主经营权 7

3。1。3优化银行客户结构 7

3。1。4加快商业银行的金融创新 7

3。1。5完善金融市场，规范外部环境 8

3。2利率市场化对商业银行的消极影响 8

3。2。1加剧商业银行之间竞争 8

3。2。2增加商业银行经营风险 9

3。2。3增加商业银行面临的道德风险 9

3。2。4增加恶性竞争风险 10

4商业银行如何应对利率市场化的建议 10

4。1强化商业银行自身对利率风险的防范管理 10

4。1。1增强利率风险管理意识