利率市场化、经验借鉴及应对策略——以河南地方银行为例  

Interest Rate Liberalization,Experiences for Learning and Countermeasures——Taking Henan Local Banks for Example

作　　者：李国民[1] 李肇扬 

机构地区：[1]上海海事大学经济管理学院,上海201306 [2]兰州大学经济学院,甘肃兰州730106

出　　处：《征信》2015年第6期47-52,共6页Credit Reference

基　　金：河南省政府决策研究招标课题"利率市场化对河南省地方银行发展影响研究"(2014326)

摘　　要：在分析河南地方银行现状的基础上,借鉴其他经济体利率市场化的经验教训,提出河南地方银行应对策略。地方政府应成立跨部门的机构对利率市场化改革进行研判和指导,进行跨界统一监管和提升监管能力,通过大力发展合作金融组织、社区银行等破解融资贵问题,大力发展直接融资与资产证券化业务。地方银行应继续将服务小微企业、"三农"作为利润增长点而不是不切实际地开展中间业务,推动以客户为中心的商业模式转型,增加客户黏度和价值,处置不良资产,提升利率风险和流动风险管理水平等。Based on an analysis of the present situation of Henan local banks,experiences and lessons are drawn from other economies regarding interest rate liberalization,the paper puts forward the corresponding strategies for Henan local banks. Local governments should set up cross-sector departments to analyze and guide interest rate liberalization reform,make regulation on a unified way and improve regulatory capability; try to solve the problem of high financing cost by vigorously developing cooperative financial organizations and community banks; and develop direct financing and asset securitization. Local banks should continue to serve for the SMEs,＂agriculture,countryside and farmer＂as a profit growth point,rather than unrealistically develop intermediary business; promote clientcentered commercial model transition to highlight customer loyalty and value; dispose of non-performing assets; and raise management level in the interest rate risk and flowing risks,etc.

关 键 词：利率市场化 地方银行 监管 河南 

分 类 号：F832.332[经济管理—金融学]