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摘要：近年来，随着利率市场化改革的不断推进，整个金融业产生了深刻的变化，其对商业银行所产生的影响尤为明显，直接反映在商业银行盈利能力的改变上。国内外很多学者都针对利率市场化对商业银行盈利所造成的的影响进行了分析和研究，并取得了一些成果。在此基础上，本文利用中国上市的商业银行的年度财务数据为样本，从宏观环境和银行内部两方面出发，对商业银行盈利能力的影响因素进行描述性分析，再以混合效应模型为理论基础，构建了在利率市场化背景下会对商业银行盈利能力造成影响的因素。实证研究结果显示，存贷款毛利差、货币供应量以及存贷比的增加，会带动商业银行盈利能力的提高。不良贷款率同商业银行的盈利能力呈现负相关。随着利率市场化的推进，存贷款利差逐渐收窄，为了追求其利润的最大化，商业银行必须对盈利模式作出调整，迅速适应经济环境的变化，才能提高其自身的盈利水平。31352
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毕业论文关键词：利率市场化 商业银行 盈利能力
The Impact of Interest Rate Marketization on the Profitability of China 's Commercial Banks
Abstract：In recent years, with the interest rate market reform continues to advance, the entire financial industry has undergone profound changes, its impact on commercial banks is particularly evident, directly reflected in the commercial bank profitability changes. Many scholars at home and abroad have analyzed and researched the impact of interest rate marketization on the profitability of commercial banks and made some achievements. On the basis of the above, this paper uses the annual financial data of China's listed commercial banks from 2000 to 2015 as the sample, and analyzes the influencing factors of the profitability of commercial banks from the macro environment and the internal aspects of the bank, and then the mixed effect The model is the theoretical basis, and the factors that influence the profitability of commercial banks under the background of interest rate market are constructed. The empirical results show that the increase in deposit and loan margins, money supply and deposit and loan ratio will lead to the improvement of profitability of commercial banks. The impact of such non-performing loans in banks is negatively correlated with the profitability of commercial banks. With the advancement of interest rate marketization, deposit and loan spreads are narrowing gradually. In order to pursue the maximization of profits, commercial banks must adjust the profit model and adapt to the changes of the economic environment in order to improve their own profitability.
Key words: interest rate marketization ; commercial bank; profitability
摘要 1
关键词 1
Abstract 1
Key words 1
一、引言 2
二、文献综述 2
(一) 利率市场化相关理论的介绍 2
1、金融抑制理论 2
2、金融深化理论 2
3、金融约束理论 3
（二）利率市场化对商业银行盈利能力影响的相关研究综述 3
1、从盈利来源的角度研究 3
2、从风险承担的角度研究 3
3、从存款利率上升的角度研究 4
4、从存贷利差收窄和发展中间业务的角度研究 4
三、商业银行盈利能力影响因素的相关理论分析 4
（一）宏观经济因素对商业银行盈利能力的影响 4
1、宏观经济环境 4
2、市场结构 5
（二）经营内部因素对商业银行盈利能力的影响 5