【作者】 王超；

【导师】 郭海凤；

【作者基本信息】 哈尔滨工业大学 ， 工商管理硕士（专业学位）， 2018， 硕士

【摘要】 伴随着利率市场化改革的不断推进,在2012年6月份调整了存、贷款浮动区间上下限;并于2013年7月份,全面放开贷款利率的管制,利率市场化的改革也更进了一步。伴随着大额存单逐步提上日程,利率市场化的全面放开已经不远。作为在金融领域重要的参与者,股份制银行不仅是利率市场化改革有利的推动者和传导者,同时也是收利率市场化改革影响最为直接的信用机构,都需要面对这一改革带来的挑战和机遇,并作出符合市场发展规律的举措。本文主要以中国股份制商业银行中具有代表性的广发银行哈尔滨分行作为研究对象,分别阐述了利率市场化基本理论、具体成因和主要的意义,同时也对我国利率市场化改革的具体进程进行了详细阐述;接着,从外国具体经验,努力得出利率市场化改革对于股份制银行的一般性规律;然后,详细阐述了广发银行及广发银行哈尔滨分行的发展历史及现状,并对其自身的特点进行深度剖析,然后结合利率市场化改革的相应特性,总结分析广发银行哈尔滨分行零售网点在这一大背景下所具备的优势、劣势和面临的机遇与挑战。最后,是在上述基础之上,得出广发银行哈尔滨分行零售网点应对利率市场化改革的战略方案,即“智能化、精简化、扁平化、特色化”的战略方案,从而实现有效的开源节流,为后续的特色化、集约化经营奠定坚实基础。在利率市场化改革即将落地的今天,本文对广发银行哈尔滨分行这一个体的研究具有一定的理论和对实践的指导意义。更多还原

【Abstract】 With the interest rate market reform,in 2012 June to adjust the loan deposit,on the lower limit of the floating range;and in 2013 July,the full liberalization of the loan interest rate control,the interest rate market reform is one more step with CDs gradually put on the agenda,the interest rate market has not fully liberalized as an important participant in the far.The financial sector,the joint-stock banks is not only beneficial to the promoter and conduction of market-oriented interest rate reform,but also accept the influence of interest rate marketization reform is the most direct credit institutions,all need to face this reform brings challenges and opportunities,and to comply with the laws of market development MeasuresIn this paper,the most typical joint-stock bank in China,Guangdong development bank Harbin Branch is chosen to be the subject of the study.It illustrates basic theories,specific causes and main influences of liberalization of interest rate and also elaborates specific stages of reform of liberalization of interest rate in our country.From experience in foreign countries,it concludes basic rules of liberalization of interest rate for joint-stock banks.After this,it analyzes the historical development,current situation and characteristics of Guangdong development bank and Guangdong development bank Harbin Branch.Meanwhile,based on the characteristics of reform of liberalization of interest rate,it analyzes the advantages,disadvantages,challenges and opportu nities of retail website of Guangdong development Harbin Branch under this background.Finally,based on these arguments,it proposes ‘intelligence,simplification,flattening and distinctness,which is the strategy of retail website of Harbin Branch to deal with liberalization of interest rate.This strategy helps the Harbin Branch to cut down costs effectively and lays the foundation of distinctive operation in the future.As liberalization of interest rate comes soon,this paper has a theoretical and experimental influence on the study of Guangdong Development Bank Harbin Branch.更多还原