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论文编号：	6851
作者编号：	2120123011
上传时间：	2014/12/7 20:27:45
中文题目：	利率市场化改革对民生银行经营的影响及对策研究
英文题目：	The study of influence and countermeasures of interest rate reform on Minsheng Bank’s operations
指导老师：	张耀伟
中文关键字：	中国民生银行,利率市场化改革,利率风险
英文关键字：	China Minsheng Bank, Interest Rate Reform, Interest Rate Risk
中文摘要：	利率市场化改革作为我国当前金融体制改革的一个重要领域，利率市场化的实现有助于我国金融环境的优化，并带动其他金融领域改革的突破，为我国金融体制改革的成功奠定坚实的基础。利率市场化的实现不仅可以有效调节资金的供求状况，促进金融资源的优化配置，使金融能更好、更高效地服务于实体经济发展，而且有助于经济结构的调整，加快经济转型升级，从而实现经济的持续、稳定增长。同时，利率市场化为金融机构提供了公平的竞争环境，激发了金融机构创新的动力，从而促进我国金融业整体水平的提升。 本文以利率市场化改革对民生银行的影响为研究对象，全面深入分析我国利率市场化改革对民生银行的影响，以及民生银行应该采取的对策。本文首先介绍了利率市场化改革研究的背景和意义，并对国内外相关的研究成果进行了整理，深入分析了利率市场化改革的动因、过程与条件，为本文研究提供了理论基础。结合民生银行的发展现状，本文从经营管理、收入结构、风险管理等多个角度阐述了利率市场化改革给民生银行带来的机遇与挑战，借鉴国外银行经验并结合我国银行的实际发展情况，重点介绍了民生银行应对利率市场化改革的对策，建议和工作安排。 在利率市场化改革进程中，民生银行应该明确市场定位，实施差异化发展策略，并建立完善的利率风险管理机制，健全科学合理的产品定价体系，加快金融创新，改善业务结构，同时，在银行内部要建立起责任分工明确的工作小组制度，以应对利率市场化改革所带来的冲击。
英文摘要：	Interest rate reform as an important area of financial reform, interest rate reform helps to optimize the realization of current financial environment, and promote breakthrough other areas of financial reform, and lay a solid foundation for the success of China's financial reform. Interest rate market to achieve not only can effectively regulate the supply and demand of funds, promote optimal allocation of financial resources to make the financial can provide better, more efficient service to the real economy, but also contribute to the adjustment of economic structure, accelerate economic transformation and upgrading, in order to achieve sustained and stable economic growth. Meanwhile, interest rate reform will provide a fair competitive environment, the power of financial institutions to stimulate innovation, and contributing to improve the overall level of China's financial industry. This paper focused on the impact of interest rate reform to Minsheng Bank. It researched the impact of interest rate reforms of China to Minsheng Bank, and the countermeasures of Minsheng Bank. First of all, the paper introduced the background and significance of research of interest rate reform, and related research results were consolidated, in-depth analysis of the causes, processes and conditions of the interest rate market reform, as this study provided a theoretical basis. Minsheng Bank's combined development status, this article from multiple angles management, revenue structure, risk management describes the opportunities and challenges of market-oriented interest rate reform to bring Minsheng Bank, drawing on the experience of foreign banks and the actual situation of China's development bank, Minsheng Bank to deal highlights the interest rate market-oriented reform strategies, proposals and work arrangements. In the process of market-oriented interest rate reform, Minsheng Bank should be a clear market positioning, implement of differentiated development strategy, establish a sound interest rate risk management mechanism, improve the scientific and rational pricing system, accelerate financial innovation, and improve business structure. Meanwhile, Minsheng bank should establish a clear division of responsibilities among the internal working group system to cope with the impact of interest rate reform.
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