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本文以农村商业银行为切入点，研究利率市场化对其发展起到的作用
农村商业银行一直服务于“三农”与中小微企业，对地方经济的贡献是比较
大的，是整个金融体系中不可或缺的一个金融分支。由于农村商业银行一直
以来都以存贷利差作为利润的主要来源，利率限制的放开必将大幅缩减农村
商业银行的净利润，而农商行在定价能力、风险管理水平、金融产品创新等
方面又均处于劣势状态，综合各方面因素，农村商业银行在利率市场化进程
中所受到的冲击尤为明显。因此，中小银行，尤其是农村商业银行在面临激
烈的竞争和复杂多变的金融市场环境下，如何应对利率市场化，如何通过一
系列变革促进自身的可持续发展成为了决定它们能否继续维持下去的关键，
针对农村商业银行如何应对利率市场化这个问题的研究势在必行。本文通过
案例分析，以 XX 农商行为例，分析利率市场化给 XX 农商行盈利能力、利率
风险和经营风险带来了哪些变化，在探讨案例的过程中得出这些变化的普遍
存在性，从而为本文最终提出如何促进农商行盈利模式的转型升级，如何增
强盈利能力和应对风险能力的实施方案做了铺垫
本文首先对利率市场化后的影响进行了国内外文献的整合，阐明了本文
研究的背景及意义，同时讲述了在研究过程中遇到的问题及解决办法。其次，
说明了农村商业银行的当前形势，详细研究了利率市场化给其带来了哪些机利率市场化对农村商业银行的影响——以 XX 农商行为例遇与挑战。然后，对某农村商业银行——XX 农商行从财务分析、利率风险分
析、经营绩效分析等方面进行了定量分析，指出了利率市场化对 XX 农商行
产生了哪些影响。最后，本文在普遍性分析与案例分析相结合的基础上，提
出农村商业银行可以从建立定价体系，提升定价能力；完善利率体系建设，
提高风险管控能力；创新金融产品，大力发展电子银行业务，增强自身竞争
力等方面较好的应对利率市场化的冲击，从而实现农村商业银行的可持续经
营。在利率市场化改革逐步深入的今天，本文具有一定的理论意义和实际意
义
关键词：利率市场化农村商业银行影响对策AbstractAbstract
Interest rate marketization is the product of financial market development and
progress. Some developed countries already realized the marketization of interest
rate, providing a more fair and efficient financial market operating environment. In
recent years, China has been continuously promoting the process of marketization
of interest rate, the central bank&39;s interest rate control has been gradually
liberalised and interest rate is gradually decided by market supply and demand. In
retrospect of interest rate marketization process of foreign countries, Banks were
greatly influenced. Some Banks have struggled to cope with comprehensive
market-oriented interest rate reform and were on the verge of bankruptcy; small
and medium-sized Banks and local Banks were influenced most significantly. In
this background, in the process of marketization of interest rate in our country,
similar problems will occur.
From the perspective of rural commercial banks, this paper analyzes the
influence of interest rate marketization. Rural commercial banks have been in the
service of agriculture, rural areas and farmers and the micro, small and medium
enterprises, making great contribution to the local economy. It is an indispensable
financial branch of the financial system. As the deposit-loan difference has always
been the main source of profit of rural commercial banks, the liberalization of
interest rate limit will sharply reduce the net profit of the bank. What’s more the
bank is at a disadvantageous status regarding to the pricing power, risk
management level and innovation of financial products. In general, rural
commercial banks are particularly vulnerable in the process of interest rate
marketization. Therefore, in the face of the fierce competition and complex
financial market environment, the small and medium-sized banks, especially ruralThe Impact of Interest Rate Marketization on Rural Commercial Banks
----A Case Study of XX Rural Commercial Bankcommercial banks have to learn to deal with the interest rate marketization, and
use a series of changes to promote their sustainable development, which become
the key to continuous operation. In the view of the rural commercial banks, how to
deal with the problem of interest rate liberalization research is imperative. This
paper, through the case of XX rural commercial bank, analyzes the influence of
interest rate marketization of rural commercial banks’ profits and the influence of
interest rate risk, further indicates the universal impact of interest rate
liberalization on rural commercial banks based on case analysis. And this paper
finally puts forward how to promote the transformation and upgrading of bank
profit pattern, and how to enhance profitability and ability to cope with the risk of
the implementation of the scheme.
This thesis first carries on the literature review at home and abroad about the
influence after interest rate marketization, illustrates the background and
significance of this study, at the same time illustrates the problems encountered in
the process of research and its solutions. Secondly, this paper introduces the
development of rural commercial banks, analyzes that the interest rate
marketization will bring which opportunities and challenges to rural commercial
banks. Then, based on a rural commercial bank —— XX rural commercial
bank,this paper carries on the quantitative analysis from financial analysis, interest
rate risk analysis, performance analysis and so on , points out the influence of
interest rate marketization on XX rural commercial bank. Finally, on the basis of
the combination of universal analysis and case study, this paper puts forward that
rural commercial banks can set up pricing system to improve the pricing ability;
advance the interest rate system construction to improve the risk control ability;
launch innovative financial products to develop the electronic banking business, so
as to enhance their competitiveness to better cope with the impact of interest rate
marketization, and realize the sustainable management of rural commercial banks.
In today&39;s interest rate marketization reform, this paper has a certain theoretical
significance and practical significance.
Keywords: Interest Rate Marketization；Rural Commercial Banks；Impact；
Countermeasures目录目录
1绪论..........1
1.1研究背景和意义........1
1.1.1研究背景..1
1.1.2研究意义..2
1.2国内外文献综述........2
1.2.1国外研究现状......2
1.2.2国内研究现状......4
1.3研究内容和方法........6
1.3.1研究内容和框架..6
1.3.2研究方法..6
1.3.3遇到的困难及解决方法..7
1.3.4本文的创新之处..8
1.3.5本文可能存在的不足......8
2农村商业银行的发展状况..........9
2.1农村商业银行的发展历程....9
2.2农村商业银行的发展现状...........
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