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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