商业银行高息揽储手段与风险研究

目 录

Abstract IV

引言… 1

1 研究背景及意义… 2

1.1研究背景… 2

1.2研究意义… 2

2 商业银行高息揽储手段… 3

2.1高息揽储形式多样化… 3

2.2 高息揽储的新形势—理财产品… 3

2.3高息揽储越来越隐蔽… 4

3 商业银行高息揽储的原因分析… 5

3.1资金的“稀缺性”… 5

3.2金融市场发展迟缓，投资渠道不畅… 6

3.3经济的高增长需要大量资金的支持… 6

3.4管理者缺乏法律意识… 6

3.5存在多年的，不完善的利率体系为高息揽存提供了价格空间… 6

4、高息揽储的金融风险… 8

4.1增加了银行的经营风险… 8

4.2“恶币驱除良币”的后果—金融秩序的崩溃… 9

5、制止高息揽储的建议… 10

5.1改革体制是根本… 10

5.2 惩治要追本溯源… 10

5.3加大舆论宣传… 10

5.4加强与人行的合作… 11

5.5完善利率体系… 11

结 论… 11

参考文献… 12

致谢… 13

商业银行高息揽储手段与风险研究

摘 要

本课题重点研究商业银行年终高息揽储的原因和存在的风险。通过分析我国商业银行高息揽储的现状并结合我国金融体制的相关特征和金融学有关理论，分析我国商业银行高息揽储的原因，同时根据金融风险管理的相关理论，分析商业银行高息揽储的银行风险的种类，最后提出抑制商业银行高息揽储的对策。

关键词：商业银行;高息揽储;银行风险;手段

Study of The Means And Risks of Commercial Bank To Attract Deposit At High Interest

Abstract

The thesis mainly explores the cause and risk of commercial banks to attract deposit at high interest in the end of the year. By analyzing the present situation of commercial banks to attract deposit at high interest, combining the related features of Chinese financial system and related theory of finance, the thesis analyses the cause of commercial banks to attract deposit at high interest. Meanwhile the thesis analyses the types of bank risk of commercial banks to attract deposit at high interest according to the related theory of financial risk management. At last, the thesis puts forward countermeasure to inhibit commercial banks to attract deposit at high.

Keywords：Commercial banks, Attract deposit at high interest, Bank risk

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