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本文首先阐明利率市场化定义，在我国的发展历程，指出利率对存款的影响；
其次介绍了农发行办行宗旨、职能定位等总体情况，阐明农发行存款业务分类、
范围、资金来源和规模，对农发行存款存在的问题进行了分析；紧接着利率市场
化对农发行存款业务带来的冲击。提出通过实行利率市场化，调整农发行存款业
务的发展方向，从完善存款定价机制、创新组织机制、强化系统建设、加快产品
研发和人才培养等几个方面着手，本文具有一定的实际意义
关键字：利率市场化；农业发展银行；存款Abstract
Market-oriented interest rate is an important part of China&39;s financial system
reform. It is the process of marketization of interest rate that is the key to the
construction of market economy and the enhancement of financial regulation and
control, which is the condition of perfecting the operation mechanism of financial
institutions and promoting the financial support to the real economy. It also plays the
role of market resource allocation and improving the competitiveness of enterprises
From July 2013 loan interest rates fully liberalized，by October 2015 deposit interest
rate liberalization, which is a huge impact to the banking industry。Due to the
relaxation of deposit interest rate control, bank&39;s profitability and operational capacity
is to be challenged. Deposit and interest spreads substantially reduced, at the same
time，interest rate risk is further apparent. As the only agricultural policy bank in
China ---- Agricultural Development Bank of China, how to seize the opportunity in
the market interest rate reform to speed up the expansion of the deposit business, this
paper has been analyzed.
At first, this paper analyses factors of financial products division of bank
deposits and composition, and points out that the interest rate will affect the deposit；
Secondly introduces the bank line for purpose, function positioning, the overall
situation, to clarify the bank deposits, classification, scope, funding sources and scale
are analyzed about the present situation of the bank deposit, points out the main
problems ； Followed by a clear definition of interest rate liberalization, the
development course in our country, and the impact of on the bank deposit business
Put forward by implementing interest rate marketization，adjust the development
direction of the bank deposit business, from perfecting deposit pricing mechanism, the
innovation organization mechanism, strengthening the system construction, speed up
product development and personnel training and so on several aspects, this paper hasa certain practical significance.
Key words: Interest rate liberalization；Agricultural Development Bank of China；
Deposit1
目录
目录....1
1绪论...3
1.1选题背景.........3
1.2研究目的及意义..........4
1.2.1研究目的...........4
1.2.2研究意义...........4
1.3国内外研究进展..........5
1.3.1国外研究进展...5
1.3.2国内研究进展...6
1.4研究内容和研究方法...7
1.4.1主要研究内容...7
1.4.2主要研究方法...8
1.5研究的创新点和不足...8
2利率市场化概述.........9
2.1利率市场化的定义.......9
2.2我国利率市场化发展历程......10
2.3利率对银行存款的影响..........12
3农发行存款业务介绍13
3.1农发行概况....13
3.2农发行存款业务概况..13
3.2.1存款范围.........13
3.2.2存款业务分类..14
3.2.3存款资金来源..152
3.3农发行存款业务面临的问题...15
3.3.1认识不足.........16
3.3.2受政策制约......16
3.3.3制度不适应......17
3.3.4服务手段落后..17
3.3.5缺乏奖励机制..18
4利率市场化对农发行存款业务的影响分析....19
4.1竞争处于劣势19
4.2存款波动性增大.........20
4.3管理风险加大21
4.4存款组织短板凸显.....22
4.5其它负债成本上升.....23
5农发行存款发展策略选择.....24
5.1完善存款利率定价.....24
5.2调整存款组织机制.....28
5.3稳固存款组织传统路径..........31
5.4强化存款系统建设.....34
5.5加快产品研发35
5.6培养专业人才36
结束语38
参考文献........39
致谢....423
1绪论
1.1选题背景
中国金融体制改革需要注重利率市场化，它能够增强金融调控力量、促进市
场经济发展；是完善金融机构运营机制、促进金融支持实体经济的条件；也是发
挥市场资源配置作用、提高企业竞争力的需要。从2013年7月贷款利率全面放
开，到2015年10月存款利率放开，给银行业带来的冲击是巨大的。由于存款利
率管制的放松，使得银行的盈利和营运能力受到挑战，存贷利差收入大幅减少，
利率风险也进一步显现。贷款利率的制定要以存款利率为依据，如果存款利率没
有变化，就不能反映银行的经营利润和真实的资金成本。在利率市场化推进过程
中，各家银行对存款业务的经营方式和管理模式不断摸索，来适应外界环境变化，
进一步增强存款业务发展
1994年中国农业发展银行(以下简称农发行)挂牌，已经走过了二十三个年头，
作为中国唯一一家农业政策性银行，成立以来始终围绕国家“稳增长、调结构、
惠民生”的方针政策，着重为国家重点战略、国家粮食安全、城乡一体化和农业
现代化提供资金支持，贷款投放量逐年增长，支农作用进一步发挥，为保障国家
粮食安全和解决“三农”问题做出了积极贡献。特别是农村基础设施、县域城镇
开发和农村路网建设等中长期信贷业务创办之后，农业发展银行在新农村建设中
发挥越来越重要的作用
2015年10月央行规定了最高存款利率，众多金融机构都要参考上限存款利
率制定本行的存款利率，说明已经根据市场需求制定利率，表明中国利率市场化
进程已步入新的发展阶段。在此大环境下，农发行如何抓住机遇，迎接挑战，进
一步加快存款业务发展，成为有研究价值的问题。本文就此背景下，对农发行存
款业务的发
。。。以上简介无排版格式，详细内容请下载查看
