利率市场化对我国商业银行影响与对策研究.doc

长春科技学院 学年论文 利率市场化对我国商业银行影响及对策研究 [摘 要] 利率市场化是指HYPERLINK /view/56260.htm金融机构在HYPERLINK /view/.htm货币市场经营融资的利率水平。简单的说就是将利率的决策权交给金融机构，由金融机构自己根据资金状况和对金融HYPERLINK /view/9165.htm市场动向的判断来自主调节利率水平，最终形成以中央银行基准利率为基础，以货币市场利率为中介，由市场供求决定金融机构存贷款利率的市场利率体系和利率形成机制。从而使金融资源可以通过金融市场而非政府得到有效的配置，这也是中国经济、金融体制改革的重要组成部分，所以利率市场化的趋势是不可逆转的。 [关键词] 利率市场化；国有商业银行；影响；对策 Market interest rates on impact on the state-owned commercial banks and the Countermeasures [Abstract] Interest rate marketization refers to financial institutions operating in the money marketfinancing rates. Simple said is that interest rates will be left to the discretion of the financial institutions, financial institutions from their own funds under the state of financial markets and to judge from the main trends in the regulation of the level of interest rates, and ultimately to the formation of the central bank benchmark interest rate basis, to the money market interest rate as the intermediary, formation mechanism determined by market supply and demanddeposit and lending rates of financial institutions market interest rate system and the interest rate. So that the financial resources can be through financial market rather than governmentallocate effectively, it is also an important part of China economy, reform of the financial system, so that the interest rate marketization trend is irreversible. [Keywords] The marketization of interest rate；State owned Commercial BanksInfluence；Countermeasures 目录 TOC \o 1-3 \h \u HYPERLINK \l _Toc17904 一、利率市场化推进趋势分析 PAGEREF _Toc17904 1 HYPERLINK \l _Toc12852 （一）利率市场化是经济、金融体制改革的必然趋势 PAGEREF _Toc12852 1 HYPERLINK \l _Toc4401 （二）利率市场化改革在经济大发展的前提下的基础 PAGEREF _Toc4401 1 HYPERLINK \l _Toc24527 （三）利率市场化可以加快中小企业的发展 PAGEREF _Toc24527 1 HYPERLINK \l _Toc27749 二、商业银行经营管理现状 PAGEREF _Toc27749 1 HYPERLINK \l _Toc27585 （一）商业银行的含义 PAGEREF _Toc27585 1 HYPERLINK \l _Toc4870 （二）商业银行的现状 PAGEREF _Toc4870 1 HYPERLINK \l _Toc12064