利率市场化对中小商业银行的影响及对策研究论文

本科论文摘 要利率市场化是我国经济发展的必然趋势，这项改革一直在我国稳步推进，近几年已经在收尾完善中。利率市场化改革对我国的金融市场是一个冲击，一方面会促进金融行业的整体发展，另一方面也给金融市场带来了很多挑战。本文通过分析利率市场化进程中中小商业银行所面临的机遇和挑战，提出中小商业银行的应对策略，通过进行业务创新，强化内部管理能力，培养专业的经营人才等来自身提高经营能力，在利率市场化过程中抓住机遇提升竞争力。关键词：利率市场化，中小商业银行，影响，对策本科论文AbstractInterest rate liberalization is an inevitable trend of China's economic development. This reform has been advancing steadily in China and has been in the final stages of improvement in recent years. The reform of interest rate liberalization has an impact on China's financial market. On the one hand, it will promote the overall development of the financial industry, on the other hand, it also brings many challenges to the financial market. Based on the analysis in the process of marketization of interest rates of small and medium-sized commercial Banks facing the opportunities and challenges, and put forward the coping strategies of small and medium-sized commercial Banks, through business innovation, strengthening internal management ability, training professional management talents such as to improve the management ability, seize the opportunities in the process of marketization of interest rate more competitive.Key words ： Marketization of interest rate,Small and medium commercial banks,Influence,Countermeasure本科论文目录.........................................................................................................................................................................1...........................................................................................................................................2............................