降低蒙古商业银行的利率研究
发布时间：2025-05-28 06:32
蒙古是世界上少有的内陆国家,周围有俄罗斯和中国两个大国。蒙古经济严重依赖采矿和出口,这种单一经济形势容易受到外部和内部冲击的影响。受金融部门和商业银行不良贷款增长的影响,目前蒙古处于高通胀经济,容易引发经济环境恶化,这将会影响所有业务的运营或产生风险。依据前几年的历史数据,蒙古很可能会遵循大的经济趋势。因此,决策者需要不下避免一个经济危机风险,不能过度增加支出和信贷增长。蒙古经济中有很多的贷款需求,但由于资金不足,金融服务需求旺盛,中小企业不得不付出太多的代价。本研究的目的是增加银行贷款的供给,降低银行贷款利率,这是蒙古经济增长的关键决定因素之一。为了增加贷款供应,应该增加实际资金供应。在目前的市场环境下,主要金融供应商是商业银行,商业银行利率直接影响融资成本。因此,研究如何降低商业贷款利率以降低融资成本非常重要。文献综述L.Oyun研究员(2007)对“商业银行信用分析”进行了研究,D.Molomjamts(2007)在“货币与贷款关系”中根据目的,期限,利率,还款和抵押品等因素将资产类型分为不同类型,表明贷款偿还情况有所改善,信用风险降低,但未明确影响高利率的因素。D.Boldbaa...
【文章页数】：98 页
【学位级别】：硕士
【文章目录】：
Acknowledgements
Abstract
摘要
List Of Abbreviations
Chapter One. Introduction
1.1 Credits Interest Rate Role In Economy
1.2 Credit Principal And Their Relatives
1.3 Interest Rates Impact To Economy
1.4 Factors Affecting To Credit Price And Interest Rate
1.5 Credit Facilities
Chapter Two. The Relative Theory Review
2.1 Credit Risk Of The Banking Sector
2.2 Analysis Of Impact To Loan Interest Rates
2.3 Changes In Loan Interest Rate And Savings Rate Differentials
2.4 Inflation Interest Rates
2.4.1 Reason For The High Interest Rate
2.4.2 Tax Environment
2.4.3 Development Of Financial Markets Weak
2.5 Reducing Method Of Interest Rate
Chapter Three. Situation Of Interest Rate Of Commercial Banks In Mongolia
3.1 Current Situation Of World Economy
3.2 Current Situation Of Mongolian Economy
3.3 Current Situation Of Mongolian Commercial Banks
3.4 Interest Rates Of Banks
3.5 Survey Of Citizens With Bank Lending
Chapter Four. How To Reduce The Interest Rate Of Commercial Banks In Mongolia
4.1 Methodology of Reduce Interest Rate
4.2 Research Methods, And Facts
4.2.1 CAR Affecting To NPLR's
4.3 Decrease Deposit Rate Affect Interest Rate
4.3.1 The Empirical Model Of The Savings Interest
4.3.2 Deposit Rate Calculated By Market Competition
4.4 Macroeconomic Environment Affect Interest Rate
Chapter Five. Conclusions And Policy Recommendations
5.1 Survey Results And Conclusions
5.2 Policy Recommendations
Bibliography
Appendices
本文编号：4048222
【文章页数】：98 页
【学位级别】：硕士
【文章目录】：
Acknowledgements
Abstract
摘要
List Of Abbreviations
Chapter One. Introduction
1.1 Credits Interest Rate Role In Economy
1.2 Credit Principal And Their Relatives
1.3 Interest Rates Impact To Economy
1.4 Factors Affecting To Credit Price And Interest Rate
1.5 Credit Facilities
Chapter Two. The Relative Theory Review
2.1 Credit Risk Of The Banking Sector
2.2 Analysis Of Impact To Loan Interest Rates
2.3 Changes In Loan Interest Rate And Savings Rate Differentials
2.4 Inflation Interest Rates
2.4.1 Reason For The High Interest Rate
2.4.2 Tax Environment
2.4.3 Development Of Financial Markets Weak
2.5 Reducing Method Of Interest Rate
Chapter Three. Situation Of Interest Rate Of Commercial Banks In Mongolia
3.1 Current Situation Of World Economy
3.2 Current Situation Of Mongolian Economy
3.3 Current Situation Of Mongolian Commercial Banks
3.4 Interest Rates Of Banks
3.5 Survey Of Citizens With Bank Lending
Chapter Four. How To Reduce The Interest Rate Of Commercial Banks In Mongolia
4.1 Methodology of Reduce Interest Rate
4.2 Research Methods, And Facts
4.2.1 CAR Affecting To NPLR's
4.3 Decrease Deposit Rate Affect Interest Rate
4.3.1 The Empirical Model Of The Savings Interest
4.3.2 Deposit Rate Calculated By Market Competition
4.4 Macroeconomic Environment Affect Interest Rate
Chapter Five. Conclusions And Policy Recommendations
5.1 Survey Results And Conclusions
5.2 Policy Recommendations
Bibliography
Appendices
本文编号：4048222
本文链接：https://www.wllwen.com/jingjilunwen/huobiyinxinglunwen/4048222.html
