摘要

近年來，人民銀行先后推出放開金融機構貸款利率下線，存款執行上浮基準利率10%的政策，標志著我國利率市場化邁出了突破性的一步，利率市場化迫在眉睫。利率市場化將對我國銀行業資產經營模式、資產負債管理能力、風險管理能力、內控管理機制都提出更高的要求。如何應對利率市場化的要求，提高經營管理水平，將是中國銀行業面臨的重要課題。本文將就金融改革到市場利率化對中國銀行業的影響進行研究，重點從研究背景、利率市場化對金融機構的影響、金融機構應對利率市場化的有效實踐與面臨的挑戰、利率市場化背景下金融機構相關建議等四個方面進行了研究。

關鍵詞：金融改革  利率市場化  銀行業  影響

Abstract

In recently years,People’s bank has launched to open the lending rate referral of financial institutions,the deposits to  implement the policy of floating benchmark rate 10%,which marked a breakthrough step of China's interest rate marketization.Interest rate marketization will put forward higher requirements to  our bank industry’s assets operating ability, assets liability managing ability,risk managing ability and internal control mechanism. How to response interest rate marketization demand, improve operating management level will be the important topic which Chinese banking faced. This article will make a study of  the influence  to Chinese banking from financial reform to market interest rate, focus on the four aspects : study background, interest rate marketization to the impact on financial institutions, financial institutions response  to interest rate marketization’s effective practice and challenge, financial institutions related recommendations under the background of interest rate liberalization.

Keywords: financial reform    interest rate marketization  banking industry     influence

目  錄

一、研究背景3

二、利率市場化對金融機構的影響4

（一）對銀行業務發展產生影響4

（二）加大銀行利率風險和利率管理的難度5

（三）縮小存貸利差，削弱競爭力5

（四）對金融機構管理提出挑戰5

三、金融機構應對利率市場化的有效實踐與面臨的挑戰6

（一）金融機構應對利率市場化的有效實踐6

1.通過建立定價模型，逐步提高定價能力6

2.逐步建立了利率定價管理系統7

（二）金融機構面臨的挑戰7

四、利率市場化背景下金融機構相關建議8

（一）認清利率市場化帶來的挑戰8

（二）重點做好利率風險和流動性風險管理9

（三）更加注重質量效益，著力實現內涵式發展9

（四）注重精細化管理，提高經營效益和核心競爭力9

（五）加快推進金融業務轉型發展10

1.推進個人金融業務發展，適應市場需求10

2.做好公司業務拓展，優化資產負債結構10

參考文獻12

Contents

1 Research background4

2 Interest rate marketization to the influence of financial institutions6

2.1 Generate influence to banking business development6

2.2 Increase bank interest rates risk and rates managing difficulty7

2.3 Narrow loan spreads,weaken competitiveness7

2.4 Put forward challenges to financial institution management7

3 Financial institutions response to the effective practice and challenge to the interest rate marketization9

3.1 Financial institutions response the effective practice to the interest rate marketization9

3.1.1 Gradually improve pricing ability by establishing pricing model9

3.1.2 Gradually establish management system of interest rate pricing9

3.2 The challenges which the financial institutions faced10

4 Related suggestion on financial institution under the background of interest rate marketization12

4.1 Recognize the challenge that the interest rate marketization brought12

4.2 Focus on interest rate risk and liquidity risk management12

4.3 Focus on quality efficience to achieve intensive development13

4.4 Focus on delicate management,improve operating benefit and core competitiveness13

4.5 Speed up financial business’s transformational development14

4.5.1 Push personal financial business development,adapt to market requirement14

4.5.2 Do well in company business expansion,optimize assets liability construction15

References16