摘要
2015 年 10 月 24 日，中国人民银行宣布不再对商业银行、农村合作等金融机
构设定存款利率浮动上限。放开存款利率浮动上限具有历史性意义，标志我国经
济改革正式迈出里程碑一步，中国严管利率时代自此成为历史，从此将进入市场
决定利率，市场对资金配置、金融产品价格起决定性作用的时代。但是，任何改
革均会牵一发而动全身。本次利率改革带给银行界的影响尤为突出。比如，在发
展环境变化之后，HB 银行主营业务发展战略同样要展开适应性调整，才能把握新
的发展机遇。本文深入分析了利率市场化背景下的 HB 银行主营业务发展面临的机
遇与挑战，并提出了应对策略。我国利率市场化改革已经迈入了关键时期，基于
此，论文以 HB 银行的主营业务发展战略为切入点，从理论出发阐述利率市场理论
研究，并且对在利率市场化与 HB 银行主营业务现状分析及利率市场化背景下的
HB 银行主营业务发展策略进行了 SWOT 分析，通过对国外商业银行应对利率市
场化经验的借鉴，提出了 HB 银行主营业务发展对策。通过本文的分析，为利率市
场化时代商业银行主营业务的发展提供了理论依据

关键词：利率市场化；银行主营业务；HB 银行；策略分析II
Abstract
On October 24, 2015, the people&39;s bank of China announced to commercial Banks
and rural cooperative financial institutions, such as setting interest rates on deposits
floating ceiling. To deposit the liberalization of interest rate upper limit of floating is a
historic breakthrough, marks the economic reform in China took a milestone step,
announced that the era of China strict control of interest rate has become the past, will
have an interest rate is determined by the market, the market allocation of funds,
financial products price is crucial in the new era. But, like any reform, reform the
decision-making, can trigger inescapably adaptive changes and adjustments. In the
economic reform, as the interest rate marketization will directly impact in banking,
especially its performance.HB bank as a representative of the banking industry in our
country, in the process of marketization of interest rate of advance, its main business
development are faced with the environment changed in the new competition in the
market. This article analzes the marketization of interest rate under the background of
change of HB bank main business development, and put forward the coping strategies.
The reform of interest rate marketization has entered into a key period. On the basi
s, the paper starts from the development strategy of main operating business in HB bank
, expounds the research on the interest rate marketization from the theory, analyzes the c
urrent situation of interest rate marketization and main operating business in HB bank, a
nd makes SWOT analysis for the development strategy of main operating business in H
B bank under the background of interest rate marketization. The development counterm
easures for the main operating business in HB bank are proposed via the understanding
and reference to copy with the interest rate marketization experience at abroad commerc
ial bank. Via the topic analysis, it can provide the theoretical basis for the development
of main operating business in the bank at the era of interest rate marketization.
Keywords：Interest rate marketization； HB bank； The main business； StrategyIII
目录
中文摘要........I
Abstract ........II
绪论.....1
一、研究的背景.........1
二、研究的目的和意义........2
（一）研究的目的..........2
（二）课题研究的意义 2
三、国内外研究现状.......... 2
（一）国外研究现状.... 2
（二）国内研究现状.... 3
四、研究内容与研究方法...6
（一）研究内容...6
（二）研究方法...6
第一章 利率市场化相关理论.... 8
第一节 利率市场化定义及内涵..... 8
一、利率市场化的定义 8
二、利率市场化的内涵 8
第二节 利率市场化的理论依据..... 9
一、古典利率理论........ 9
二、凯恩斯流动偏好理论........ 9
三、新古典可贷资金理论...... 10
四、金融抑制与金融深化理论.......... 10
五、金融市场理论.......11
本章小结......11
第二章 利率市场化与 HB 银行主营业务现状分析.... 13IV
第一节 利率市场化发展分析....... 13
一、利率市场化改革的必要性.......... 13
二、利率市场化改革的进程.. 14
第二节 HB 银行主营业务发展现状分析.. 15
一、银行主营业务简述.......... 15
二、HB 银行主营业务的现状分析.... 16
三、HB 银行中间业务现状分析........ 17
四、HB 银行客户结构现状分析........ 19
第三节 利率市场化改革对 HB 银行的影响....... 20
一、利率调整与 HB 银行发展的相关性分析........... 20
二、利率市场化改革对 HB 银行的主要影响........... 22
本章小结..... 28
第三章 国外和国内其他商业银行应对利率市场化经验借鉴.......... 29
第一节 利率市场化背景下美国商业银行的主营业务发展....... 29
一、美国商业银行中间业务收入结构变化.. 29
二、积极推动业务转型.......... 30
三、零售业务的综合化发展.. 30
第二节 利率市场化背景下英国商业银行的主营业
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