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论文编号：	5997
作者编号：	2120112801
上传时间：	2013/12/9 23:49:22
中文题目：	中国利率市场化的影响及韩资W银行的应对策略研究
英文题目：	A Study on the Influence of Interest Rate Liberalization in China and Coping Strategies for a Korean Bank W.
指导老师：	贲圣林;薛有志
中文关键字：	利率市场化；外资银行；盈利能力
英文关键字：	Liberalization of Interest Rates; Foreign Banks; Profitability
中文摘要：	W银行（中国）有限公司是由韩国W银行股份有限公司在华成立的外商独资银行，主要经营经有关监管机构批准的外汇业务和人民币业务。截至2013年10月，W银行在中国总共成立了1家（中国）总部、8家分行和8家支行。W银行的服务对象由过去的以韩国企业为主扩大到广大的中国企业和公民，现阶段的盈利模式过分依赖利差收入，中间业务比重偏低，新型业务创新不够。 　　自上世纪70年代以来，世界各国经历着市场化改革进程，日益变化的利率会使得那些不能够适应频繁利率变动的以及那些尚未对此做好准备的金融机构的收入或资本净现值出现大幅度的下降的现象，更有甚至会导致他们破产的可能性。《国务院关于金融体制改革的决议》于1993年正式在我国出台，同时这也是中国首次将利率市场化目标以法规的形式，因此其有着里程碑式的意义。自此以后，利率市场化改革的速度和步伐在一直加速，2012年6月8日，央行第一次双向扩大存贷款利率浮动范围，此后，2013年7月20日它又进一步全面放开了金融机构贷款利率的限制条件--取消了贷款利率0.7倍的下限，贷款利率而是由金融机构自主确定。这将从根本上改变国内各家商业W银行的风险管理方式和盈利模式。本文讨论W银行的盈利模式以及利率市场化对其盈利能力的影响，最后为其提出应对策略建议。
英文摘要：	W Bank (China) Co., Ltd. is a wholly foreign-funded bank established in China by Korea W bank Limited.W Bank (China) Limited is approved by China Banking Regulatory Commission in 2007 November, the main business is foreign exchange business, RMB business etc. W bank opened a branch in Shanghai in July 9, 1995, for the first time in the Chinese market, then respectively in Beijing, Shenzhen, Suzhou, Tianjin, Dalian, Chengdu and Weihai have opened several branches. W bank set up primarily to service the Korean enterprises, with the rapid development of Chinese economy, W bank service object from the korean enterprises to Chinese enterprises and citizens, by providing a convenient online bank, the rich diversity of structured products, the bank card business and personal financial products. 　　　Since the 1970s, a far-reaching financial reform has taken off globally with a start discussion of financial repression and financial deepening between two Financial Theory Researchers, McKinnon and Shaw. The theory identified stimulating and restricting relationship between financial development and economic development. In financial repression, financial industry does not appear efficient enough to support economic development effectively. The essence of financial deepening is the financial reform in terms of giving up excessive government intervention and improving operational efficiency inside of financial system. Interest rate liberalization presents a key component of financial deepening and financial repression theory. Additionally, during the past decades while the reform continued running, frequent changes in interest rate had a far-reaching impact on financial institutions worldwide. Those banks which failed to adapt to frequent changes in interest rates experienced income suffering. In the 1980s, a huge bankruptcy among numbers of US financial institutions was one of the results from this financial revolution."The State Council Resolution on Financial Reform" was officially issued to public in 1993; it was the first time that China formalized interest rate liberalization in law. Since then, interest rate and market-oriented reform has accelerated dramatically. With continuous development in 30 years, People's Bank of China (PBoC) initiated, merged and abolished a variety of interest rate and foreign currency management regulations. On June 8th, 2012, Central Bank expanded a floating range of deposit and lending rates. A year later, on July 20th, 2013, the government liberalized interest rates further by authorizing financial institutions to determine the lending rates independently. This significant resolution changed risk management and profit model of commercial banks fundamentally. This paper takes a Korean bank W for an example in terms of introducing its profit model, discussing the influence of interest rate liberalization, and finally making coping strategies recommendations.
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