目录
摘 要 4
ABSTRACT 5
引言
1.1研究背景及意义 7
1.1.1研究背景 7
1.1.2研究意义 8
1.2研究框架 9
第二章 文献综述 10
2.1国外文献综述 10
2.2国内文献综述 11
第三章 利率市场化对我国银行盈利的影响分析 13
3.1理论基础 13
3.1.1财富调整理论 13
3.1.2协同效应理论 13
3.1.3金融可持续发展理论 13
3.2利率市场化对我国商业银行盈利能力构成的影响因素 14
3.2.1内部因素 14
3.2.2外部因素 14
第四章 利率市场化对我国商业银行盈利影响的实证研究 16
4.1数据来源和变量选取 16
4.1.1数据来源 16
4.1.2变量选取被解释变量 16
4.2模型检验 17
4.2.1 HAUSMAN检验 18
4.2.2模型检验结果 18
4.2.3实证结果 20
第五章 结论和建议 21
参考文献 23
致 谢 24
利率市场化对银行盈利能力的影响
摘 要
在过去的几十年中，金融自由化已经成为了各国改良经济的主要手段，并且很多国家已经完成或者初步完成利率市场化改革，明显对全球的金融业产生冲击。从1996年6月央行完全开放银行间同业拆借利率直至2015年10月完成，利率市场化改革基本完成，银行社会融资机构的发展，存贷利差的降低，商业银行的利润减少。商业银行在面对利率管制放开的情况，由于根深蒂固的固定利差被取消，存贷利差成为了银行利润降低的“凶手”，所以银行需要寻找新的利润来源提高自己利润。因此，研究商业银行如何在新的金融环境中如何更好地增强自身的盈利能力，实现可持续发展，极具理论意义和现实意义。
本文通过豪斯曼检验后决定使用固定效应模型，选取16家商业银行2012到2019年的面板数据进行分析，并将1 *51今日免费论文网|www.51jrft.com +Q: ^351916072# 
6家银行分为三类，实证研究利率市场化对我国商业银行盈利的影响。能得出下面结论：（1）利率市场化会显著降低商业银行的盈利，且中小型股份制商业银行表现得更为显著；（2）净利差总资产收益率规模和不良贷款率对国有股份制银行和城商行的盈利规模变动能力的影响最为显著,对国有银行而言净利差总资产收益率规模对盈利影响最大（3）不良贷款率对股份制银行和城商行的盈利收入影响最大，不良贷款率对三类城市商业银行的盈利规模和能力的变动影响最为显著,且该变量对规模最大的国有银行影响最小。整体来看，利率市场化对降低银行的利润率起降低作用。
THE IMPACT OF INTEREST RATE LIBERALIZATION ON BANK PROFITABILITY
ABSTRACT
In the past few decades, financial liberalization has become the main means for various countries to improve their economy, and many countries have completed or initially completed the interest rate liberalization reform, which obviously has an impact on the global financial industry. From June 1996, when the central bank fully opened the interbank offered rate until October 2015, the reform of interest rate liberalization was basically completed, the development of banks social financing institutions, the reduction of deposit and loan spreads, and the decrease of commercial banks profits. In the face of the situation of interest rate liberalization, commercial banks have to look for new sources of profit to improve their profits because the deeprooted fixed interest rate spread has been cancelled and the deposit and loan spread has become the "murderer" of the banks profit decline. Therefore, it is of great theoretical and practical significance to study how commercial banks can better enhance their profitability and achieve sustainable development in the new financial environment.
After Hausmanns test, this paper decides to use the fixed effect model, selects the panel data of 16 commercial banks from 2012 to 2019 for analysis, and divides the 16 banks into three categories, to empemptively study the impact of interest rate liberalization on the profitability of Chinas commercial banks. The following conclusions can be drawn :(1) Interest rate liberalization will significantly reduce the profitability of commercial banks, especially small and mediumsized jointstock commercial banks; (2) net interest margin and return on total assets scale nonperforming loans of stateowned jointstock Banks and city firms profit ability is most significantly, the influence of the stateowned Banks in terms of net interest margin return on total assets scale , (3) the biggest influence on profit of nonperforming loans of jointstock Banks and city firms the profit of the income effect , the nonperforming loan ratio has the most significant impact on the change of the profitability scale and ability of the three types of urban commercial banks, and the variable has the least impact on the stateowned banks with the largest scale. On the whole, interest rate liberalization plays a reducing role in reducing banks profit margins.

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