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1、I摘 要近期,对于央行将要加息的传闻愈演愈烈。2 月份 CPI 指数 2.7%,已高于目前一年期2.25%的贷款利率。国家统计局 4 月 15 日公布数据，数据显示，一季度居民消费价格同比上涨 5.0%，其中 3 月份居民消费价格同比上涨 5.4%，环比下降 0.2%,央行加息迫在眉睫。那么这次加息的原因是什么？对银行业会产生哪些影响呢？通过分析近 10 年央行利率政策调整的效果,现阶段还不能确定是加息的最好阶段,应该确认实体经济已经回暖,使宏观经济政策能够更好的与中国经济发展形势相匹配,这才是现阶段最为重要的经济政策调整目标。今年以来，面对复杂多变的国际形势和国内经济运行出现的新情况新问题，
2、中国政府坚持实施积极的财政政策和稳健的货币政策，切实加强和改善宏观调控，有针对性地采取有力措施，更加注重发展方式转变，各项政策效应逐步显现，国民经济保持平稳运行，继续朝着宏观调控的预期方向发展。商业银行是国家实施宏观调控政策的落脚点，商业银行对宏观调控政策贯彻落实情况关系到宏观调控政策的效果和影响力。本论文立足于宏观调控政策，系统研究商业银行如何根据宏观调控政策要求、调控导向来针对性地调整业务发展策略，对商业银行经营发展和国家宏观调控政策的贯彻落实都具有现实的指导意义。关关 键键 词词: :加息 经济政策 调控政策 发展策略IIAbstractRecently, the central ban
3、k raised interest rates for the rumor to get worse. February CPI index is higher than 2.7%, the current one-year lending rate 2.25%. National bureau of statistics released on April 15, data, data showed that consumer prices, quarter year-on-year increase in March, including cholesterol by 5.0% compa
4、red consumer prices rose 5.4%, year-on-year, central bank dropped 0.2% period is imminent. So the rates of what be the reason? What are the effects of banking will produce? Through the analysis of nearly 10 years central bank interest rate policy adjustment effect, at the present stage is still unce
5、rtain is the best stage, rates should confirm entity economy has warmed, make macroeconomic policies can better and Chinese economy development situation, this is the match at the most important economic policy adjustment target. Since this year, in a complicated and volatile international situation
6、 and domestic economic operation of the new situation of the new problem appeared, the Chinese government adhere to implement the proactive fiscal policy and prudent monetary policy, strengthen and improve macroeconomic regulation, purposeful take effective measures, pay more attention to developmen
7、t mode change, the policy effect gradually appear, the national economy maintained steady running, continue to move in the direction of macro-control expected. Commercial Banks are the national macro-control policies foothold, commercial Banks to macroeconomic regulation and control policy implement
8、ation in relation to macroeconomic regulation and control policy effect and influence. This paper based on the macroeconomic regulation and control policy, system research commercial bank according to the macro-control policies require, regulation will guide pointed adjustment, business development
9、strategy of commercial bank management development and national macro-control policy implementation have realistic significance. Keywords:Keywords: interest rates close economic policy adjustment policy development strategyIII目 录摘摘 要要 .I IABSTRACTABSTRACT .IIII目目 录录 .IIIIII绪绪 论论 .1 11 1 央行的货币政策与商业银行
10、业务的关系央行的货币政策与商业银行业务的关系 .2 21.1 央行主要货币政策工具.2 1.1.1 再贴现政策.2 1.1.2 存款准备金政策.3 1.1.3 公共市场政策.3 1.2 商业银行的经营业务.3 1.2.1 资产业务 .3 1.2.2 负债业务.4 1.2.3 中间业务.6 1.3 央行货币政策与商业银行业务之间的关系.6 1.4 商业银行的国家经济中地位与作用.6 1.4.1 商业银行是国家实施宏观调控政策的落脚点.6 1.4.2 商业银行是国家经济金融的核心.7 1.5 我国宏观经济运行状况.72 2 央行加息的主要原因央行加息的主要原因 .8 82.1 抑制固定资产投资增速过快.8 2.2 预防通货膨胀,平抑市场物价.8 2.3 增强居民储蓄信心,缓解银行业流动性风险.8 2.4 央行近几年加息时间表 .93 3 央行加息对商业银行的影响央行加息对商业银行的影响 .10103.1 央行加息对商业银行的有利影响 .10 3.1.1 加息有助于扩大银行利差，增加利息收入.10 3.1.2 加息有利于存款回流.11 3.1.3 存贷差变相扩大,盈利能力相对提升.11 3.2 央行
