Dissertation > Excellent graduate degree dissertation topics show

Analysis of the impact on bank interest rate marketization

Author: ChenLiangWei
Tutor: DaiLiang
School:
Course: Financial
Keywords: interest rate liberalization Guangdong Development Bank interest risk profit structure credit risk operating management
CLC: F832.33
Type: Master's thesis
Year: 2013
Downloads: 187
Quote: 0
Read: Download Dissertation

Abstract


The interest rate marketization reform is a major reform of China’s financial market, the commercial banks to bring opportunities at the same time, also potential risks. Commercial banks because of their management mode of operation, the degree of risk exposure is different, it is necessary to work out effective policies and measures according to its own characteristics, in order to seize the interest rate marketization brings opportunities, and to minimize the loss.In this paper, the development of interest rate marketization in western developed countries and theoretical achievements as a starting point. First of all, pointing out that the interest rate is an important macroeconomic variables and the operation of monetary policy tools, is the core of macroeconomic analysis. Then, elaborated the development path theory of interest rate marketization since1973, Mackinnon and Shaw put forward financial liberalization. Finally, review of China’s interest rate marketization process and achieved initial results, and make prospects for China’s market-oriented reform of interest rates.In the body part, this paper selects the Guangdong Development Bank as a case under the influence of interest rate marketization on the research and recommendations.First of all, the Guangdong Development Bank status is analyzed from two aspects:management mainly relates to the balance sheet, profit ability, asset quality, business structure. On the interest rate management, Guangdong Development Bank began to explore the market-oriented interest rate reform road from regulatory index, development model, risk control and other aspects.Secondly, we use relevant theories to analyze the impact of interest rate marketization of Guangdong Development Bank from management, profitability, credit risk and interest rate risk. And focus on the impact from the interest rate risk. In the analysis of interest rate risk, we mainly use sensitive gap analysis and duration gap analysis method to estimate the financial data bank. In the profit structure, we start with the main profit of Bank net interest income, analyze the impact on the deposit and loan interest rate adjustment. Credit risk aspect mainly analyzed the interest rate market adverse selection, moral risk to banks. Management aspect mainly carries on the analysis from the management philosophy, organization structure and development mode.Finally, according to the developed countries advanced commercial bank management mode, we discuss the basic thought of Guangdong Development Bank to deal with the market-oriented interest rate. Interest rate risk management:establish the interest rate risk quota system to the interest rate sensitivity index as the main body, and gradually build the market risk and capital management system etc. In terms of business structure:make the development of intermediate business as the breakthrough point business transformation, do better in the financial products with distinguishing feature, continue to develop new products. Credit risk:to further improve the risk management system and effective risk management framework, key areas of risk control. In terms of management:promote the strategic transformation, promoting the fine management.In the article, the financial liberalization of current interest rates and Guangdong Development bank interest rate management combined with the actual research, both theoretical basis, and the empirical content, has strong pertinence and practical significance. This article has higher reference value on how to deal with the interest rate marketization to Guangdong Development Bank, also has significance for the domestic commercial banks.

Related Dissertations

  1. Publishing credit Credit Risk Control Problem,G231-F
  2. Quantitative analysis of the credit risk on the credit card of Fuzzy Bayesian Network,F224
  3. Research for Customer Credit Risk Controller in Medicine Circulation Enterprise,F426.72
  4. Credit Risk Management of Shenzhen Joint-stock Commercial Bank,F832.4
  5. Credit Risk Management Strategies of Dandong Branch of Industrial and Commercial Bank,F832.4
  6. Research on Group Clients’ Credit Risk Management of Bank of N,F832.3
  7. Reseaching on Using of Credit Derivatives of Our Country,F224
  8. The Design and Implementation of a Credit Risk System for the Financial Enterprises to Rate the General Company Customers,TP311.52
  9. Interest Rate Risk Management of Chinese Commercial Bank Research in the Process of Interest Rate Marketization,F224
  10. Credit Risk Management Research of Group Clients,F832.4
  11. Research of Small-sized Enterprises Credit Risk Management Model Based on Fuzzy Analytical Hierarchy Process,F276.3;F224
  12. Analysis of innovative wealth management business , \,F832.48
  13. Hangzhou Branch of Guangdong Development Bank Personal Financial Services Development Strategy,F832.2
  14. Quality Management Tools Based on the Credit Risk Management of Communications Baotou Branch,F273.2;F224
  15. Study on the Problems of Risk Management for Personal Loan Business of Guangzhou Bank,F832.2
  16. The Research on Some Issues About Insurance Random Risk Model,F224
  17. The Research on Risk Management of Consumption Credit in Liaoning Branch of Industrial and Commercial Bank of China,F832.4
  18. Study on Credit Risk of Export on Business Credit Basis,F740.4
  19. A Study on Credit Risk of the Real Estate Based on BP Neural Network Model,F832.4;F224
  20. Recognition model based electronic payment technology platform for classification study of cheating accounts,TP393.09
  21. A Study on Influence of Interest Risk and Credit Risk on the Net Interest Margin in the Chinese Banking System,F832.2

CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks > Commercial banks ( specialized banks )
© 2012 www.DissertationTopic.Net  Mobile