试论利率市场化对商业银行综合经营的影响

The Impact of Interest Rate Liberalization on Comprehensive Management of Commercial Banks

中文关键词:  利率市场化  商业银行  综合经营

英文关键词:interest rate liberalization  commercial bank  comprehensive management

中文摘要:

      2011年6月，央行宣布同时扩大存贷款利率浮动区间的上下限， 7月进一步扩大了贷款利率的浮动下限，这表明我国利率市场化已进入实质性推动阶段。利率市场化会导致存贷利差收窄，挑战商业银行的盈利能力，迫使银行改变原有运营模式，加快综合经营发展步伐。结合我国银行业近年来综合经营发展历程，深入分析了非银行金融行业在利率市场化进程中将面临的机遇和挑战，以及商业银行开展综合经营对其化解利率市场化冲击的重要作用。

英文摘要:

      In June 2011, China’s central bank announced to expand the floating range of the upper and lower limits for both deposit and loan interest rates at the same time. In July, it expanded further the lower limit of floating loan interest rate. It indicates that China’s interest rate liberalization has entered a phase of substantive promotion. The interest rate liberalization will narrow the deposit and loan spreads, pose a challenge to the profitability of commercial banks, force the banks to change the original operation mode and accelerate the pace of comprehensive management. Combined with the development process of comprehensive management of China’s banking industry in recent years, this paper gives a deep analysis on the opportunities and challenges faced by the non-bank financial industry in the interest rate liberalization as well as the important role of comprehensive management for commercial banks to carry out to defuse the impact of interest rate liberalization.