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论文编号：	6868
作者编号：	2120122791
上传时间：	2014/12/8 0:42:57
中文题目：	Q银行应对利率市场化的对策研究
英文题目：	The Research on How Q Bank Prepares Itself for the Market-oriented Reform of Interest Rates
指导老师：	王曼舒
中文关键字：	利率市场化;Q银行;内部资金转移定价体系;衍生产品;中间业务
英文关键字：	Interest rate marketization; Q bank; Funds transfer pricing system; Derivative products; Intermediary business
中文摘要：	十八届三中全会上通过了《中共中央关于全面深化改革若干重大问题的决定》，其中有关于“完善金融市场体系”的论述，关于市场化改革提到了三项具体的改革内容，其中之一便是“加快推进利率市场化”。这增加了市场参与者对利率市场化步伐加快的预期，进一步推进利率市场化的改革也呈现出紧迫之势。在这样的时代背景下，商业银行如何正确应对利率市场化带来的机会与挑战，已经成为了经济学界的一个研究热点。 本文第一章阐述了选题背景与选题意义；第二章研究了利率决定的经济学经典理论，参考了国际国内多位专家学者在利率市场化方面的研究文献；第三章，列举了美国富国银行和花旗银行在美国利率市场化过程中的应对策略；第四章主要分析了我国利率市场化的改革历程，并预测了未来我国利率市场化的改革发展方向，并针对Q银行的个案进行了具体化的影响分析，重点阐述了利率市场化改革对Q银行带来的具体影响；第五章针对Q银行的业务发展优势及发展方针，提出了具有较强实践性的应对措施，主要包括：建设内部资金转移定价体系、开展金融衍生产品业务、明确以中小企业为主要服务对象的市场定位、积极推进中间业务的发展；第六章对本文的研究做出了总结。 通过针对Q银行的一系列研究，本文总结认为，作为一家规模较小的外资法人银行，面对利率市场化改革的大潮，Q银行应当提前准备，并根据中国地区的实际情况和自身的优势与略势，因地制宜，采取适当的调整措施，从而使其在中国地区获得可持续的长久稳定发展。
英文摘要：	At the third plenary session of the 18th central committee, CPC central commitee passed ” CCP decision on deepening the reform of some major issues”. In this report, there is some discourse about perfecting the financial market system, and one of which is to accelerate the marketization of interest rate. This makes the market participants to the pace of interest rate liberalization is heating up again, further promote market-oriented interest rate reform is imperative. In such a background, for the commercial banks, how to correctly deal with the interest rate marketization has become a research focus in the economics. In this paper, the first chapter describes the background and significance of topics ; and the second chapter is the classical economics theory of interest rate decisions, and we reference many literatures on interest rate liberalization; the third chapter references the Wells Fargo bank and the Citibank’s experience; the fourth chapter analyzes the market-oriented interest rate reform in China, and forecasts the future development direction of interest rate marketization reform in China; according to the above research, and according to the situation of Q bank , the fifth chapter puts up with some measures, mainly including: to build up the FTP system, to carry out the financial derivatives business, to put the small and medium-sized enterprises as the main service object, and to actively promote the development of intermediary business; the last chapter has made the summary to this paper. Through some research of the Q bank, this paper concludes that, as a small foreign bank, in the interest rate marketization reform, the Q bank should prepare in advance. According to the situation of China and the Q bank’s strengths and weaknesses, the Q bank should take appropriate measures to making itself obtain long-term stable development in China.
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