CAJ | 학술논문

在利率市场化改革不断深入推进的背景下，政策性红利逐渐消退，商业银行利率受市场性因素的影响越来越大，银行如果继续以资产外延性为特征的低效率的扩张将不能适应新的形势，以金融创新及市场研究为特点的内涵型的业务发展将决定未来银行的盈利空间。所以，正确把握利率市场化的内涵和发展现状，综合分析利率市场化对商业银行的综合影响，在此基础上采取措施减少利率市场化对商业银行带来的不利影响，是非常有必要的。
재리솔시장화개혁불단심입추진적배경하，정책성홍리축점소퇴，상업은행리솔수시장성인소적영향월래월대，은행여과계속이자산외연성위특정적저효솔적확장장불능괄응신적형세，이금융창신급시장연구위특점적내함형적업무발전장결정미래은행적영리공간。소이，정학파악리솔시장화적내함화발전현상，종합분석리솔시장화대상업은행적종합영향，재차기출상채취조시감소리솔시장화대상업은행대래적불리영향，시비상유필요적。
In the interest rate marketization reform to promote the deepening of the background,policy dividend gradually subsided,com-mercial bank interest rate is affected by market factors is more and more big,if banks continue to asset extension characteristics of low effi-ciency of the expansion will not adapt to the new situation,innovation and Market Research for the connotation of financial characteristics of business development will decide the future profitability of space. Therefore,correctly grasp the meaning and development status of the marketization of interest rates,a comprehensive analysis of the marketization of interest rate effect on commercial banks,on this basis to take measures to reduce the interest rate marketization of the adverse effects brought about by commercial banks ,it is necessary to.