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摘要本文通过研究利率市场化对我国商业银行的经营的影响，分析利率市场化和商业银行的现状，从正反两方面分析利率市场化对我国商业银行产生的影响，并对利息净收入、中间业务净收入和净利润进行回归分析，可以得出中间业务净收入变动对商业银行净利润的影响很大，并且大于利息净收入对银行净利润的影响。最后根据这一实证结果认为在利率市场化过程中，我国商业银行应当大力发展中间业务，全面的推行利率风险管理，并且加强监管体系建设，提高银行定价能力，加强员工的专业素质培训。42210
毕业论文关键词：利率市场化；商业银行；影响
The study of the influence of interest rate liberalization of our country commercial bank management
Abstract
This paper studies the impact of interest rate liberalization of Chinese commercial banks' operation, analysis on the meaning of interest rate liberalization and the situation of Chinese commercial banks, that interest rate liberalization impact on the traditional business model of commercial banks. Regression analysis of the net interest income, net operating income and intermediate business net income, obtained by empirical analysis that it's very sensitive that changes to intermediate business net income for net operating income of Chinese commercial banks, intermediate business net income of commercial banks contribution to net profit greater than interest net impact on net profit of commercial banks. Finally empirical analysis concluded that Chinese commercial banks respond to Interest rate liberalization should focus on the development of intermediary business, comprehensively promote the management of interest rate liberalization , and strengthen the supervision system and improve the bank's pricing power, strengthening the professional quality training of staff.
Key Words: Interest rate liberalization Commercial banks Impact
目录
摘 要 I
Abstract II
目录 III
一 引言 1
（一）研究背景及意义 1
二 利率市场化的内涵及商业银行经营现状 4
（一）利率市场化的含义及意义 4
（二）商业银行经营现状 5
三 利率市场化对商业银行经营的影响 7
（一）利率市场化对商业银行经营的积极影响 7
（二）利率市场化对商业银行经营的消极影响 8
四 利率市场化对我国商业银行经营影响的实证分析 10
（一）构建模型 10
（二）数据选择 10
（三）实证分析 11
五 商业银行应对市场利率化的对策措施 13
（一）转变经营思路，着力发展中间业务 13
（二）全面推行利率风险管理 13
（三）加强监管体系建设 13
（四） 提高商业银行定价能力 13
（五）加强员工的专业素质培训 14
参考文献