毕业论文规范模板.doc
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1、摘 要摘 要【用三号黑体,居中打印“摘要”二字,字间空两字符。】【“摘要”二字下空一行打印摘要正文,用小四号宋体。摘要正文每行36个字左右,不超过20行。】利率是金融市场中最重要的变量之一,利率市场化将对商业银行和整个金融市场甚至整个国民经济层面产生重大影响。随着金融改革不断深化,我国将逐渐放开对利率的管制。利率市场化是指金融机构在货币市场中投融资的利率水平。利率市场化包括商业银行的存贷款利率市场化和中央银行通过间接调控来影响市场利率两个方面的内容。在推进利率市场化进程中,我国商业银行取得了比较显著的成就,但是在盈利能力方面、资产质量及资本金等方面出现了许多问题。当前我国正处在经济发展方式深刻
2、转型的过程中,金融政策也将随之发生深刻的变革。因此,我国商业银行不仅要适应经济的转型,还要做好充分准备,以应对金融领域将发生的重大变革。我国金融改革的总体目标是逐步形成由市场供求决定基准利率,中央银行运用货币政策工具间接调控市场基准利率,金融机构依据基准利率进行利率市场化定价的利率体系,进而实现既定货币政策下市场在资金配置中的决定作用。在利率市场化驱动下,为了谋求生存与发展,商业银行只有通过优化内外结构,加强业务创新,加强风险管控等方式才能顺应潮流,应对日益激烈的竞争。关键词:利率市场化,金融改革,商业银行,影响,对策【关键词:摘要正文下空一行,左对齐,打印“关键词”三字,用小四号黑体,后接冒
3、号;其后为35个关键词,用小四号宋体,关键词之间用逗号隔开,最后一个关键词后无标点符号。】- 【摘要的最下方写上(没有可不写):本研究得到XXX基金的资助。】III ABSTRACTABSTRACT【“摘要”一词的英文译文统一为大写“ABSTRACT”,用三号黑体,居中打印。】【“ABSTRACT”下空一行打印英文摘要正文,用小四号Times New Roman字体。摘要正文每段开头不空格,每段之间空一行。每行72个字符, 五号宋体,全文不超过25行。】The interest rate is one of the most important variable in financial ma
4、rkets, interest rate marketization of commercial Banks and even the whole financial market have a significant impact on the entire national economy level. With the deepening financial reform, China will gradually relaxing restrictions on interest rates. Interest rate marketization refers to financia
5、l institutions investing and financing in the money market interest rates. Including the commercial bank deposit and lending interest rate marketization of interest rate liberalization and the central bank through indirect regulation to influence the market rate two aspects of content. In the proces
6、s of marketization of interest rate, commercial Banks in China have made significant achievements, but in terms of profitability and asset quality and capital appeared many problems. Current our country is in the process of profound transformation of the pattern of economic development, financial po
7、licy will also be profound changes accordingly. Under the drive of interest rate liberalization, in order to seek survival and development, commercial Banks only by optimizing the internal and external structure, strengthen business innovation, strengthen risk control methods such as to comply with
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