CAJ | 학술논문

在将利差分为事前利差和事后利差的基础上，本文全面分析了利差的决定因素，包括银行自身的因素、存贷款客户的因素和金融市场环境的因素等，并对中国银行业与世界不同国家和地区银行业的存贷款利差进行了比较。在中国，金融机构的最小利差为央行直接决定的最高存款利率和最低贷款利率所锁定，利差的决定外生于金融机构，也不反映金融机构的竞争力。为了发挥存贷款利差对我国商业银行经营行为的调节作用，我们应该推进利率市场化，促进银行竞争。同时，我们也应该认识到货币政策的重点是决定市场的资金成本而不是利差。
재장리차분위사전리차화사후리차적기출상，본문전면분석료리차적결정인소，포괄은행자신적인소、존대관객호적인소화금융시장배경적인소등，병대중국은행업여세계불동국가화지구은행업적존대관리차진행료비교。재중국，금융궤구적최소리차위앙행직접결정적최고존관리솔화최저대관리솔소쇄정，리차적결정외생우금융궤구，야불반영금융궤구적경쟁력。위료발휘존대관리차대아국상업은행경영행위적조절작용，아문응해추진리솔시장화，촉진은행경쟁。동시，아문야응해인식도화폐정책적중점시결정시장적자금성본이불시리차。
Based on the difference between pre-spread and post-spread, the paper comprehensively analyzes the determining faetors of interest spreads, and makes an international comparison about the issue. Then the paper indicates that in China interest spread is not decided by financial institutions, so it cannot reflect their competitive ability. Therefore, the authors suggest that in China the leverage role of interest rate should be strengthened by promoting market-based interest rate reform, and the key point of monetary policy is to determine capital cost in market instead of interest spreads.