利率市场化对中小银行的影响与对策概论.doc

金融理论与政策课程论文 目 录  TOC \o 1-3 \h \z \u  HYPERLINK \l _Toc408993609 摘 要  PAGEREF _Toc408993609 \h 1  HYPERLINK \l _Toc408993610 一、引 言  PAGEREF _Toc408993610 \h 3  HYPERLINK \l _Toc408993611 （一）研究背景  PAGEREF _Toc408993611 \h 3  HYPERLINK \l _Toc408993612 （二）文献评述  PAGEREF _Toc408993612 \h 3  HYPERLINK \l _Toc408993613 二、利率市场化对商业银行影响的一般分析  PAGEREF _Toc408993613 \h 4  HYPERLINK \l _Toc408993614 （一）我国利率市场化现状  PAGEREF _Toc408993614 \h 4  HYPERLINK \l _Toc408993615 （二）利率市场化为商业银行带来的积极影响  PAGEREF _Toc408993615 \h 4  HYPERLINK \l _Toc408993616 （三）利率市场化中商业银行面临的风险  PAGEREF _Toc408993616 \h 4  HYPERLINK \l _Toc408993617 1.逆向选择及道德风险  PAGEREF _Toc408993617 \h 4  HYPERLINK \l _Toc408993618 2.利率风险  PAGEREF _Toc408993618 \h 5  HYPERLINK \l _Toc408993619 3.竞争风险  PAGEREF _Toc408993619 \h 6  HYPERLINK \l _Toc408993620 三、利率市场化对我国中小银行影响的实证分析  PAGEREF _Toc408993620 \h 6  HYPERLINK \l _Toc408993621 (一)机遇分析  PAGEREF _Toc408993621 \h 6  HYPERLINK \l _Toc408993622 (二)风险分析  PAGEREF _Toc408993622 \h 7  HYPERLINK \l _Toc408993623 四、对中小银行管理变革的建议  PAGEREF _Toc408993623 \h 9  HYPERLINK \l _Toc408993624 参考文献  PAGEREF _Toc408993624 \h 11  PAGE \* MERGEFORMAT10 摘 要 利率市场化相关理论自提出以来就得到各国尤其是发展中国家的广泛关注,但麦金农和肖只看到了放开利率对宏观经济的好处，却忽视了在推行过程中微观主体面临的各种风险。当前，我国正处于经济转型关键期，进一步推进利率市场化势在必行，对其带来的各种影响的深度分析显得尤为迫切和重要。因此，本文将从中小银行出发，具体分析分析利率市场化给我国中小银行业带来的机遇和挑战，探讨中小银行变革应对之策。 关 键 词 利率市场化；机遇；挑战；变革 Abstract The marketization of interest rate theory has attracted serious concern all over the world, especially in the developing countries, since it has been put forward. But Mckinnon and Shaw only saw the benefits for macroeconomic, ignoring the risks faced by microeconomic entity . At present, we are in the critical period of economic transition, the implementation of liberate interest rate is imperative, and it’s necessary to make an analysis of these influences. Therefore, this article will start from the point of view of sm