利率市场化改革对中小金融机构的影响及应对策略研究——基于A联社的SWOT分析

The Research on the Impact of Interest Rate Marketization Reform on Small and Medium-sized Financial Institutions and Countermeasures——Based on SWOT Analysis of A Union

本文以A联社为研究对象,以实地调研取得的数据为依据,详细分析了利率市场化对该联社存款、贷款业务、定价能力等方面形成的冲击和挑战,最后提出了农信社应对利率改革的相关建议。A联社所处的竞争环境及规模特征在我国农信社系统中颇具代表性,故此形成的相关经验与启示对其他农信社同样具有借鉴意义。

Taking A union as the research object, according to the field survey data as the basis, the paper makes a detailed analysison the impact and challenges of the interest rate marketization on the deposit business, loan business, pricing power of the union,and finally puts forward some related suggestions for rural credit cooperatives in response to the interest rate reform. The competitiveenvironment and the scale characteristic of A union is fairly typical in the system of China5 s rural credit cooperatives, therefore, relatedexperience and inspiration for other rural credit cooperatives is also ofreference.