H银行贷款定价策略修改1

分类号密级公开UDC编号硕士研究生学位论文题目利率市场化进程中我国商业银行贷款定价策略分析——以H银行为例II利率市场化进程中我国商业银行贷款定价策略分析——以H银行为例摘要目前，我国金融行业所面临的宏微观环境发生了巨大的变化，商业银行所面临的市场竞争环境更加动荡和激烈。在利率市场化大环境的影响下，我国商业银行的运营管理面临着越来越多的挑战与冲击，利率市场化会对银行的经营和管理产生重大影响。随着利率市场化的进一步深入，利率的频繁波动将对商业银行的收益造成一定程度的影响。因此，在利率市场化的形势下，中国商业银行需要加强利率定价应对策略，从而达到有效规避利率风险与抓住市场机遇的目的，提高商业银行的市场竞争力和风险应对能力。本文以H银行昆明分行为研究对象，通过我国利率市场化对商业银行贷款定价的影响分析以及H银行内外部环境的综合分析，发现H银行在利率市场化大环境下的潜在机会与风险并界定银行自身的优势与不足。本文通过对银行固定存贷收益、浮动利率收益和理财产品收益进行比较分析，证明贷款业务浮动利率带来的收益占银行收入主要部分，利率市场化不完全是威胁而是机遇。在H银行内外环境分析的基础上，借鉴国内外银行成功运营的案例，选定H银行贷款利率定价模式和策略，并对各种策略进行详细分析，提出定价策略实施的具体措施。关键词:利率市场化；利率定价；应对策略；贷款定价IIIIANALYSISOFCHINAMERCHANTSBANK’SLOANPRICINGSTRATEGYUNDERTHEBACKGROUNDOFINTERESTRATEMARKETIZATIONABSTRACTNowadays,banksarefacingmorevolatileandcompetitiveenvironment,sincegreatchangeshavetakenplaceinthemacroandmicroenvironmentoffinancialindustry.Inthisenvironment,operationandmanagementofthefinancialindustryisfacingmoreandmorechallenges,themercerizationofinterestratewillhaveasignificantimpactontheoperationandmanagementofthebanks.Withthemercerizationofinterestrategraduallythorough,frequentfluctuationsininterestrateswillcauseacertaindegreeofinfluenceoncommercialbank'sincome.Therefore,intheinterestratemarketsituation,commercialbanksneedtostrengthenthestrategyofpricinginterestrateresponse,soastoeffectivelyavoidrisksandseizethemarketopportunities,improvethemarketcompetitivenessofcommercialbanksandriskresponseability.AccordingtoHBankKunmingbranchoftheresearchobject,throughacomprehensiveanalysisofitsinnerandouterenvironment,foundthattheriskofpotentialopportunitiesorexistenceanddefinetheadvantagesanddisadvantagesofthebank'sown.Thebankfixeddepositincome,floatingrateincomeandfinancialproductsyieldscomparativeanalysis,proofofloanfloatinginterestratesbringearningsforthemainpartofbankincome;interestratemercerizationisnotcompletelyopportunityinsteadofathreat.OnthebasisoftheanalysisofHBank’sinnerandouterenvironment,thispaperlearnsfromthesuccessfuloperationofdomesticandforeignbankcase,selectsHBankloaninterestratepricingmodeandstrategy,andconductsadetailedanalysisofvariousstrategies,andputsforwardmeasuresfortheimplementationofthepricingstrategy.KeyWords:interestrateliberalization;theinterestrate;copingstrategies;loanpricingIII目录第一章绪论.....................................................................................................................................11.1研究背景与意义................................................................................................................11.1.1研究背景................................................................................................................11.1.2现实意义和理论意义............................................................................................11.2研究内容............................................................................................................................21.3研究方法............................................................................................................................2第二章理论基础.............................................................................................................................42.1国内外研究现状................................................................................................................42.1.1国外研究现状........................................................................................................42.1.2国内研究现状.......................................................................................................52.2利率市场化理论................................................................................................................5第三章利率市场化对银行贷款定价的影响...............................................................................83.1利率市场化对商业银行造成的利率风险........................................................................83.1.1重新定价风险........................................................................................................83.1.2基本点风险............................................................................................................83.1.3收益曲线风险........................................................................................................93.2贷款利率下限取消，短期内不会制约整体利率水平....................................................93.3贷款利率在短期内不会大幅下降..................................................................................103.4短期内，贷款下限放开对优质大客户的影响大于中小客户......................................103.5利率市场化对H银行贷款业务影响的总体分析..........................................................11第四章利率市场化背景下H银行经营环境分析.......................................................................134.1H银行简介........................................................................................................................134.2SWOT分析原理................................................................................................................134.3利率市场化背景下的H银行内部条件分析..................................................................154.3.1H银行资源分析.................................................................................................