本文選題：利率市場化 + 銀業(yè)市場集中度�。� 參考：《西南財經(jīng)大學(xué)》2013年碩士論文

【摘要】：利率市場化改革在中國已經(jīng)取得了初步成效,目前已經(jīng)來到了改革的最后關(guān)口,即存貸款利率的完全放開。國際經(jīng)驗表明,利率市場化對金融與經(jīng)濟的發(fā)展都有一定的促進(jìn)作用,與此同時利率市場化的完全實施是具有風(fēng)險性的,會對一國金融體系造成一定的波動。本文選取銀行業(yè)市場結(jié)構(gòu)作為切入點,并以銀行業(yè)集中度為代表,研究利率市場化對銀行業(yè)結(jié)構(gòu)帶來的影響。 文章的第一章介紹了“利率市場化與銀行業(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。第三章按照時間序列梳理中國利率市場化的進(jìn)程,并分析利率市場化對同業(yè)拆借市場、票據(jù)市場、債券市場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。第五章借鑒國際上主要國家和地區(qū)利率市場化對銀行業(yè)結(jié)構(gòu)的影響,分析利率市場化影響銀行業(yè)結(jié)構(gòu)的機理,探索中國銀行業(yè)結(jié)構(gòu)在利率市場化改革進(jìn)程中可能的變化,并在對中國銀行業(yè)市場結(jié)構(gòu)近十年來在利率市場化背景下的變化以及現(xiàn)狀進(jìn)行實證分析的基礎(chǔ)上,探討利率市場化影響我國銀行業(yè)市場結(jié)構(gòu)的機理。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、我國利率市場化改革促進(jìn)了貨幣市場的發(fā)展,但存貸款利率仍未完全實現(xiàn)市場化改革。2、目前,我國銀行業(yè)處于壟斷競爭的市場結(jié)構(gòu),且壟斷程度較高。3、利率市場化改革的推進(jìn)會降低銀行業(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、我國應(yīng)積極推進(jìn)利率市場化改革,但應(yīng)采取漸進(jìn)式改革。2、監(jiān)管機構(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,創(chuàng)新金融產(chǎn)品,為市場主體提供規(guī)避利率風(fēng)險的工具。
[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】：西南財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F822.0;F832.5

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