利率市場(chǎng)化的國(guó)際經(jīng)驗(yàn)及我國(guó)的選擇.pdf

1、西北工業(yè)大學(xué)碩士學(xué)位論文利率市場(chǎng)化的國(guó)際經(jīng)驗(yàn)及我國(guó)的選擇姓名：王會(huì)昌申請(qǐng)學(xué)位級(jí)別：碩士專業(yè)：西方經(jīng)濟(jì)學(xué)指導(dǎo)教師：郭德20050401西北工業(yè)大學(xué)碩士論文AbstractSincethe70sof20thcentury，someprosperouscountriesrelievedtheinterestratecontrolgraduallyandletinterestratebedecidedbymarket.Alongwithecon

2、omicsystemperfection，thetendencyofinterestratemarketingisspreadingatdevelopingcountries，andthetrendofinterestratemarketingasapartoffinancialliberalism，nowintheworldbecomeakindofconversingsituation.Thetransitionperiodforo

3、urcountryofjoiningtheWTOismoreandmorenearbigmarginexistsbetweenourbanksandinternationalbigbanksintheaspectsofmanaginglevelandfunds.Andmoreover，ourfinancialcircleslackwiththecompetingmeansofinterestrateandexperienceofmana

4、gingthemarketriskbroughtbyinterestrate.Therefore，itisnecessarytoputtheprocessofi門(mén)terestratemarketingintopracticeintheprotectedperiod，andthatcangivethelocalfinancialinstitutionsometimetogetusedtothischange.Thispaperfirstl

5、yintroducessomeconceptsrelatedtointerestrateandbasictheoryonitthenbyanalyzingthebackgrounds，reasonscharacteristicsandresultsofUnitedStatedJapanChileKorea，summarizesthereformationexperiencesofthefourcountry，andbyreviewing

6、thereformationpracticeofourcountrysinterestrate，analyzestheshortageexistedinthereformationofinterestrate.finallythispaperputsforwardsuggestionsandstepstosetupoursystemofinterestratemarketing.Thispaperexploresbelowproblem

7、sfurtherinthebasisofexistedresearch:firstlyitanalyzesthefunctionsofinterestratemarketingbyusingtheSurplusTheoryandIncomeGraduallyDecreaseTheoryanddrawstheconclusionthatinterestratemarketingcanperfectresourceinstallation.

8、secondlyitdiscussestwoimportantfactorsthatrestrictthereformationofinterestratemarketing，oneissocialcredit，andtheotherisunbalancedeconomicdevelopmentindifferentareasandputsforwardthemeasurestosolvetheseproblems.Keywords:i