利率市场化背景下中国银行盈利模式转变研究

发布时间：2018-04-17 19:23

本文选题：利率市场化 + 盈利模式　；参考：《山东大学》2017年硕士论文

【摘要】：中国的利率市场化改革历经20余年,经过长期的理论验证和配套政策的铺垫,推进多年的利率市场化于2015年加速完成。利率市场化的实现,在增加我国金融市场活力的同时,必然会对我国的商业银行带来重大影响。利率市场化实现一年有余,这一政策对商业银行的影响逐步显现出来。结合目前的国内外宏微观经济形势,对中国银行经营成果进行及时的研究和总结,发现其经营模式中的不足,进行相应的业务结构调整,显得尤为迫切和重要。利率市场化的理论及其对商业银行盈利模式影响的研究普遍认为,利率市场化背景下利率自由浮动,加深了金融机构的竞争程度,给商业银行带来一定的挑战;但同时市场化伴随着金融制度的完善,成为商业银行转型的机遇。美国和阿根廷商业银行应对利率市场化的经验教训表明,利差收窄导致商业银行传统盈利模式不再适应新的环境,商业银行必须尽快转变盈利模式,改善自身盈利能力。本文界定商业银行盈利模式分为利息收入主导型和非利息收入主导型两种模式。利率市场化背景下,我国的商业银行应当改变以利息收入为主的模式,逐步将盈利模式转变为非利息收入主导型。本文以中国银行为研究对象,对中国银行资产负债、营业收入构成等方面详细分析,进而提出转变盈利模式的对策。文章对比发现中国银行的利模式现状中一些不足之处:依靠规模增长的不可持续性,非利息收入中各项业务增长比较吃力,没有充分挖掘出利息净收入的增长潜力,以及利用重定价缺口衡量的利率风险逐年增大,等等。最后,作者对中国银行未来五年转变盈利模式的成效作出预测,针对其存在的问题提出了盈利模式转变的可行性建议。具体有做好存量挖掘,巩固优势业务;继续发展中间业务,拓展新的盈利增长极;优化传统存贷款业务,稳定利息净收入;强化利率风险管理,守住经营成果等。希望上述对策能够为中国银行及其所属国内分行业务发展提供有益的参考,找到新形势下较为有效的利润增长方式,以应对我国的利率市场化。
[Abstract]:The reform of interest rate marketization in China has gone through more than 20 years. After a long period of theoretical verification and the bedding of supporting policies, the interest rate marketization for many years was accelerated to be completed in 2015.The realization of interest rate marketization, while increasing the vitality of our financial market, will inevitably bring great influence to our commercial banks.Interest rate marketization has been realized for more than a year, and the impact of this policy on commercial banks has gradually emerged.Combined with the current macro and micro economic situation at home and abroad, it is very urgent and important to study and summarize the management results of the Bank of China in time, and to find out the shortcomings in its management model and to adjust the corresponding business structure.The theory of interest rate marketization and its influence on commercial banks' profit model generally believe that the free floating of interest rate under the background of interest rate marketization deepens the degree of competition of financial institutions and brings certain challenges to commercial banks.But at the same time, with the improvement of financial system, marketization has become an opportunity for commercial banks to transform.The experience of American and Argentine commercial banks in dealing with the marketization of interest rate shows that the narrowing of interest rate gap leads to the traditional profit model of commercial banks no longer adapt to the new environment, and the commercial banks must change the profit model as soon as possible and improve their profitability.This paper defines the profit model of commercial banks into two types: interest income-oriented and non-interest income-oriented.Under the background of interest rate marketization, commercial banks in our country should change the mode of interest income as the main factor, and gradually change the profit model into the non-interest income leading mode.This paper takes the Bank of China as the research object, analyzes the assets and liabilities of the Bank of China and the composition of the operating income in detail, and then puts forward the countermeasures to change the profit model.In this paper, we find that there are some disadvantages in the profit model of Bank of China: depending on the unsustainability of scale growth, the growth of all kinds of business in non-interest income is more difficult, and the growth potential of net interest income is not fully excavated.And the interest rate risk measured by heavy pricing gap increases year by year, and so on.Finally, the author forecasts the effect of the bank of china's profit model transformation in the next five years, and puts forward some feasible suggestions for the transformation of the profit model in the light of its existing problemsSpecifically, we should do a good job of stock mining, consolidate advantage business, continue to develop intermediate business, expand new profit growth poles, optimize traditional deposit and loan business, stabilize net interest income, strengthen interest rate risk management, and maintain management results.It is hoped that the above countermeasures can provide a useful reference for the development of the Bank of China and its domestic branches and find a more effective way of profit growth under the new situation in order to cope with the interest rate marketization in China.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F832.5

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