畢業(yè)論文-我國(guó)利率市場(chǎng)化改革研究(已修改)
2025-06-22 11:52 本頁(yè)面
【正文】 武漢紡織大學(xué)畢業(yè)論文任務(wù)書(shū) 課題名稱(chēng)： 我國(guó)利率市場(chǎng)化改革 研究 完成期限： 2021年 12 月 1 日至 2021 年 1 月 8 日 學(xué) 院 名 稱(chēng)： 經(jīng)濟(jì)學(xué)院 學(xué) 生 姓 名： 專(zhuān) 業(yè) 班 級(jí)： 金融學(xué) 學(xué) 號(hào)： 指 導(dǎo) 教 師： 指 導(dǎo) 教 師 職 稱(chēng)： 學(xué)院領(lǐng)導(dǎo) 小組組長(zhǎng)簽字： 摘 要 利率市場(chǎng)化改革的作用發(fā)揮程度是以健全完整的市場(chǎng)機(jī)制為前提的，在利率市場(chǎng)化改革的同時(shí)，我們應(yīng)該注意相關(guān)配套措施的同步推進(jìn)。近年來(lái)我國(guó)一直在確保金融穩(wěn)定的前提下，穩(wěn)步推動(dòng)利率市場(chǎng)化，利率市場(chǎng)化已經(jīng)是必然趨勢(shì) ,這也為中國(guó)銀行業(yè)帶來(lái)市場(chǎng)化和積極地競(jìng)爭(zhēng)的同時(shí)也在考驗(yàn)各商業(yè)銀行的經(jīng)營(yíng)模式和業(yè)務(wù)結(jié)構(gòu)等各方面的綜合實(shí)力。我國(guó)目前實(shí)行的是“貸款管下限，存款管上限”的利率管制政策，利率管制是與傳統(tǒng)計(jì)劃經(jīng)濟(jì)體制相適應(yīng)的制度安排，在特定的歷史時(shí)期發(fā)揮過(guò)積極 作用，但隨著資本積累達(dá)到一定規(guī)模，其弊端開(kāi)始不斷暴露出來(lái)，利率管制維持了商業(yè)銀行的壟斷利潤(rùn)，但導(dǎo)致為中小企業(yè)提供金融服務(wù)的動(dòng)力不足，由此造成一大批新興企業(yè)出現(xiàn)資金缺口，造成金融壓抑實(shí)體經(jīng)濟(jì)，迎合中小企業(yè)融通的需要，民間借貸金融趁勢(shì)發(fā)展，民間借貸作為一種廣泛存在的融資方式，雖具有靈活，快捷，簡(jiǎn)便的優(yōu)勢(shì)，但又不完善的基礎(chǔ)上進(jìn)行利率改革，從而更有利于促進(jìn)我國(guó)經(jīng)濟(jì)金融體制改革的進(jìn)一步深化和融入經(jīng)濟(jì)金融全球一體化之中，本文通過(guò)介紹利率市場(chǎng)化，回顧我國(guó)利率市場(chǎng)化進(jìn)程，研究利率市場(chǎng)化總體思路，進(jìn)而系統(tǒng)分析我國(guó)利率市場(chǎng)化過(guò) 程中的所遇到的問(wèn)題及影響，是本文主要討論的內(nèi)容。 關(guān)鍵詞： 利率市場(chǎng)化； 改革；商業(yè)銀行； 國(guó)民經(jīng)濟(jì)； 利率 ABSTRACT The interest rate marketization reform effect is based on market integrity as the premise, therefore in the interest rate marketization reform at the same time, we should pay attention to promote the related measures. In recent years, our country has been in to ensure financial stability, under the premise of steadily promote marketoriented interest rate, the interest rate marketization is an inevitable trend,which in china’s banking market and bring for the active petition also test in the mercial bank management mode and the business structure and so on various aspects of the overall current practice in China is lower loan, deposit cap control of interest rate policy, the interest rate control is a system arrangement to fit in with the traditional planned economy system, played a positive role in the specific historical period, but with the capital accumulation has reached a certain scale, its disadvantages gradually exposed,interest rate control to maintain the business bank monopoly profits, but due to the lack of power to provide financial services to small and mediumsizedenterprises, resulting in a large number of emerging corporate financing gap,causing financial repression to cater to the entity economy, medium and small enterprises financing needs,taking advantage of civil finance development, folklending as a widespread financing way, is flexible, fast, convenient advantage,In the market economic system of our country is developed, but the interest rate reform was not perfect ,which is more conducive to promoting China’s economic and financial reform further deepening and integration into the global economic and financial, This paper through the introduction of the interest rate marketization, reviewing interest rate marketization process,research the general ideal of interest rate marketization, which system analysis of China’s i
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