利率市场化对商业银行发展影响分析研究 财务会计学专业

利率市场化对商业银行发展影响研究摘 要我国的商业银行在业务结构、商业模式、运营管理等方面都具有趋同性。所以，各商业银行应准确分析自身的优势与不足，走差异化发展道路。大型国有商业银行因为具有资产负债规模庞大、客户资源雄厚、渠道多、网点分布广而密等绝对优势，在上述策略的基础上可以全面、协调地发展各项业务，向多元化、综合化的全职银行迈进，并努力打造国际性知名的商业银行品牌。股份制银行的经营管理机制相对于大银行而言更加灵活，创新意识、创新能力也更强，所以可以凭借这些优势，走与自己经营特色相适应的专业化道路，注重做精、做细，以此保持自身竞争力。同时，我国在利率市场化的改革中要吸取外国的经验，从本国的国情出发，实事求是，循序渐进，稳步推进利率市场化的进程。本文采用文献分析法和比较分析法，对利率市场化过程中商业银行受到的影响进行分析，在前人研究工作的基础上，根据 2016 年 16 家上市银行的存款数据，对银行以后的发展提出一些建议。 关键词： 利率市场化，商业银行，改革，影响，建议The Impact of Interest Rate Marketization on the Development of Commercial Bankss Counter-MeasureABSTRACTThe marketization of interest rate means the government would not control the interest rate any more . The relationship of the supply and demand of the market would decide how the level of market interest rate are. The reform of interest rate marketization is an important content in the reform of Chinese financial sector, which have serious influence on commercial banks. Especially,on the main business - deposit and loan business. With the development of marketization of interest rates, the operating environment of commercial banks and the competitive environment of external markets will change. In this process, commercial banks will actively respond to the impact of interest rate liberalization through their own management system reform and business innovation . At the same time, China should absorb foreign experience in the reform of interest rate marketiza...