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论文编号：	13505
作者编号：	2320200637
上传时间：	2022/12/3 21:20:37
中文题目：	净息差缩小背景下中国农业银行负债管理研究
英文题目：	Research on Liability Management of Agricultural Bank of China under the Background of NIM Narrowing
指导老师：	黄福广
中文关键字：	中国农业银行;净息差;负债管理
英文关键字：	Agricultural Bank of China; Net interest margin;Liability management
中文摘要：	近年来，商业银行作为我国社会融资主渠道在经济发展中发挥着重要作用，在落实央行货币政策，支持并让利实体经济发展的过程中，商业银行资产端规模加速增长但收益率持续下降，导致净息差缩小并持续承压。在此背景下，负债管理对商业银行净息差管理重要性更加凸显，如何改进商业银行负债管理，对支撑资产端快速增长，实现负债成本稳重有降，保证商业银行净息差的稳定和可持续发展具有重要意义。本文采用文献分析法、案例研究法和对比分析法相结合，选取中国农业银行作为案例研究对象，以银行负债管理理论为基础，找到存在的问题并就问题产生的原因进行研究，最后有针对性的提出应对措施。 本文第一部分阐述当前中国农业银行负债管理的背景和研究意义，并介绍了本文的研究内容与方法。第二部分对净息差及负债管理理论和国内外学者就负债管理开展的相关研究成果进行归纳总结。第三部分对中国农业银行负债管理现状及问题进行阐述。从中国农业银行净息差变化敏感性、负债管理措施阐述负债管理现状，并得出负债管理中存在的三个问题。第四部分基于净息差缩小的背景从客户经营、存款考核、定价体系三个维度对中国农业银行当前负债管理的问题成因展开分析。第五部分从前文问题成因出发，有针对性的提出净息差缩小背景下以客户为本提升存款经营效率、主动转变负债管理经营策略、以量价平衡为目标完善经营配套机制和完善存款定价管理相关机制的优化建议。 通过研究，得出在净息差缩小的背景下，商业银行应当转变经营策略，从负债规模优先向质量优先转变，强化数字化转型，做好流量资金经营，通过资金各种形态之间的转化实现闭环运行。坚持以客户为中心，基于不同需求建立差异化的定价体系，为客户提供最合适的定价，满足需求的同时降低付息成本。强化内部管理，以量价平衡为指导原则完善存款营销和考核机制，将负债成本控制作为重要考核项。本文以中国农业银行在净息差缩小的背景下，基于负债管理现状分析其存在的问题。提出了转变经营策略、建立量价平衡的存款经营机制、构建差异化定价指导机制的优化建议，以期为商业银行负债管理实践提供借鉴与参考。 关键字:中国农业银行；净息差；负债管理
英文摘要：	In recent years, commercial banks, as the main channel of social financing in my country, have played an important role in economic development. In the process of implementing the central bank's monetary policy and supporting and benefiting the development of the real economy, the scale of commercial banks' assets has accelerated but the rate of return has continued to decline, resulting in net interest margins narrowed and continued to be under pressure. In this context, the importance of liability management to the management of the net interest margin of commercial banks is more prominent. How to improve the management of liabilities of commercial banks can support the rapid growth of assets, achieve stable or reduced debt costs, and ensure the stability and sustainability of commercial banks' net interest margins. Sustained development is important. This paper adopts a combination of literature analysis method, case study method and comparative analysis method, selects Agricultural Bank of China as the case study object, and based on the theory of bank liability management, finds the existing problems and studies the causes of the problems, and finally makes targeted research. propose countermeasures. The first part of this paper expounds the background and research significance of the current Agricultural Bank of China's liability management, and introduces the research content and methods of this paper. The second part summarizes the theory of liability management and the related research results of domestic and foreign scholars on liability management. The third part expounds the current situation and countermeasures of the net interest margin of Agricultural Bank of China. The current situation of debt management is analyzed from the changes in the debt structure of Agricultural Bank of China and the change in the growth rate difference between core assets and core liabilities, and the problems existing in debt management are drawn. The fourth part analyzes the reasons for the problems existing in the current liability management of Agricultural Bank of China from the three dimensions of deposit marketing, deposit assessment and pricing system based on the background of the narrowing of the net interest margin. The fifth part starts from the causes of the aforementioned problems, and puts forward targeted suggestions on changing the debt management and operation strategy based on the customer-oriented approach, establishing a balance between volume and price, and exploring the establishment of a deposit differential pricing guidance mechanism under the background of narrowing the net interest margin. Through research, it is concluded that under the background of narrowing net interest margins, commercial banks should change their business strategies, from debt scale priority to quality priority, strengthen digital transformation, and do a good job in the management of flow funds. Closed loop operation. Adhere to customer-centricity, establish a differentiated pricing system based on different needs, provide customers with the most appropriate pricing, and reduce interest payment costs while meeting needs. Strengthen internal management, improve deposit marketing and assessment mechanism based on the principle of volume and price balance, and take debt cost control as an important assessment item. This paper analyzes the existing problems of the Agricultural Bank of China based on the current situation of liability management in the context of the narrowing of the net interest margin of the Agricultural Bank of China. This paper puts forward some optimization suggestions for changing the business strategy, establishing a deposit management mechanism with a balance of volume and price, and building a differentiated pricing guidance mechanism, in order to provide reference and reference for the practice of commercial banks' liability management. Key Words:Agricultural Bank of China; Net interest margin;Liability management
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