發(fā)布時(shí)間：2018-06-15 19:42

  本文選題：利率市場(chǎng)化 + 銀業(yè)市場(chǎng)集中度��； 參考：《西南財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：利率市場(chǎng)化改革在中國(guó)已經(jīng)取得了初步成效,目前已經(jīng)來(lái)到了改革的最后關(guān)口,即存貸款利率的完全放開。國(guó)際經(jīng)驗(yàn)表明,利率市場(chǎng)化對(duì)金融與經(jīng)濟(jì)的發(fā)展都有一定的促進(jìn)作用,與此同時(shí)利率市場(chǎng)化的完全實(shí)施是具有風(fēng)險(xiǎn)性的,會(huì)對(duì)一國(guó)金融體系造成一定的波動(dòng)。本文選取銀行業(yè)市場(chǎng)結(jié)構(gòu)作為切入點(diǎn),并以銀行業(yè)集中度為代表,研究利率市場(chǎng)化對(duì)銀行業(yè)結(jié)構(gòu)帶來(lái)的影響。 文章的第一章介紹了“利率市場(chǎng)化與銀行業(yè)集中度”這一選題的背景及意義,給出了本文的研究思路及安排。第二章歸納利率市場(chǎng)化和銀行業(yè)結(jié)構(gòu)的相關(guān)理論基礎(chǔ)與文獻(xiàn)綜述。第三章按照時(shí)間序列梳理中國(guó)利率市場(chǎng)化的進(jìn)程,并分析利率市場(chǎng)化對(duì)同業(yè)拆借市場(chǎng)、票據(jù)市場(chǎng)、債券市場(chǎng)以及存貸利差的影響。第四章分析存貸利差水平的現(xiàn)狀及影響因素。第五章借鑒國(guó)際上主要國(guó)家和地區(qū)利率市場(chǎng)化對(duì)銀行業(yè)結(jié)構(gòu)的影響,分析利率市場(chǎng)化影響銀行業(yè)結(jié)構(gòu)的機(jī)理,探索中國(guó)銀行業(yè)結(jié)構(gòu)在利率市場(chǎng)化改革進(jìn)程中可能的變化,并在對(duì)中國(guó)銀行業(yè)市場(chǎng)結(jié)構(gòu)近十年來(lái)在利率市場(chǎng)化背景下的變化以及現(xiàn)狀進(jìn)行實(shí)證分析的基礎(chǔ)上,探討利率市場(chǎng)化影響我國(guó)銀行業(yè)市場(chǎng)結(jié)構(gòu)的機(jī)理。第六章給出相應(yīng)的政策建議。 本文研究得出的結(jié)論如下所述：1、我國(guó)利率市場(chǎng)化改革促進(jìn)了貨幣市場(chǎng)的發(fā)展,但存貸款利率仍未完全實(shí)現(xiàn)市場(chǎng)化改革。2、目前,我國(guó)銀行業(yè)處于壟斷競(jìng)爭(zhēng)的市場(chǎng)結(jié)構(gòu),且壟斷程度較高。3、利率市場(chǎng)化改革的推進(jìn)會(huì)降低銀行業(yè)集中度,使銀行業(yè)集中度向合意的方向變化。本文研究得出的一些有益的結(jié)論,有著積極的政策意義：1、我國(guó)應(yīng)積極推進(jìn)利率市場(chǎng)化改革,但應(yīng)采取漸進(jìn)式改革。2、監(jiān)管機(jī)構(gòu)應(yīng)適當(dāng)引導(dǎo)中小銀行進(jìn)行產(chǎn)品和服務(wù)創(chuàng)新以應(yīng)對(duì)大型商業(yè)銀行的壟斷地位。3、應(yīng)當(dāng)加快建立健全金融市場(chǎng),創(chuàng)新金融產(chǎn)品,為市場(chǎng)主體提供規(guī)避利率風(fēng)險(xiǎn)的工具。
[Abstract]:The reform of interest rate marketization has made initial achievements in China, and has now reached the final level of reform, that is, the complete liberalization of deposit and loan interest rates. International experience shows that the marketization of interest rate can promote the development of finance and economy to a certain extent, at the same time, the complete implementation of marketization of interest rate is risky and will cause certain fluctuations to the financial system of a country. This paper chooses the banking market structure as the starting point and takes the banking concentration as the representative to study the influence of interest rate marketization on the banking structure. The first chapter introduces the background and significance of the topic "interest rate marketization and banking concentration", and gives the research ideas and arrangements. Chapter two summarizes the theoretical basis and literature review of interest rate marketization and banking structure. Chapter three combs the process of Chinese interest rate marketization according to the time series, and analyzes the influence of interest rate marketization on interbank borrowing market, paper market, bond market and deposit and loan interest rate difference. The fourth chapter analyzes the current situation of deposit and loan interest margin and its influencing factors. Chapter five draws lessons from the influence of interest rate marketization on the banking structure of major countries and regions in the world, analyzes the mechanism of interest rate marketization affecting the banking structure, and explores the possible changes of the Chinese banking structure in the course of interest rate marketization reform. Based on the empirical analysis of the market structure of China's banking industry in the past ten years under the background of interest rate marketization, the mechanism of interest rate marketization affecting the market structure of China's banking industry is discussed. The sixth chapter gives the corresponding policy recommendations. The conclusion of this paper is as follows: 1. The market-oriented reform of interest rate in China has promoted the development of the money market, but the interest rate of deposit and loan has not completely realized the market-oriented reform. At present, the banking industry of our country is in the market structure of monopoly competition. And the degree of monopoly is higher. 3. The promotion of interest rate marketization will reduce the banking concentration and make the banking concentration change to the desired direction. Some useful conclusions obtained in this paper have positive policy significance: 1. Our country should actively promote the reform of marketization of interest rate. However, gradual reform should be adopted, and the regulatory bodies should appropriately guide small and medium-sized banks to innovate their products and services in order to cope with the monopoly position of large commercial banks. They should speed up the establishment and improvement of financial markets and innovate financial products. To provide the main body of the market with the tools to avoid interest rate risk.
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F822.0;F832.5

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本文編號(hào)：2023324