CAJ | 학술논문

自20世纪70年代末金融自由化尤其是利率市场化以来,利率在金融市场中的资源配置作用日益明显,净利差也已成为衡量金融中介机构经营效率的重要指标,关于净利差决定因素也成为理论界研究的焦点。基于此,本文对学界关于净利差的测算、决定因素的理论模型以及在不同区域内的实证研究进行了系统整理。在中国利率市场化改革不断深化的背景下,通过对商业银行净利差各种决定因素的梳理有利于提升商业银行经营管理水平,提高监管效率,也有助于对我国渐进式利率市场化改革的效果进行评价。
자20세기70년대말금융자유화우기시리솔시장화이래,리솔재금융시장중적자원배치작용일익명현,정리차야이성위형량금융중개궤구경영효솔적중요지표,관우정리차결정인소야성위이론계연구적초점。기우차,본문대학계관우정리차적측산、결정인소적이론모형이급재불동구역내적실증연구진행료계통정리。재중국리솔시장화개혁불단심화적배경하,통과대상업은행정리차각충결정인소적소리유리우제승상업은행경영관리수평,제고감관효솔,야유조우대아국점진식리솔시장화개혁적효과진행평개。
The role of the interest rate has become increasingly important in the progress of the financial liberalization,especially in the interest rate marketization since the late 1970s,and net interest margin has become an important indicator of operating efficiency of financial intermediaries,so it＇s become the focus of theoretical study on the determinants of net interest margin.This paper introduces an overview of the calculation,the theoretical model and the empirical research in different regions on the net interest margin.Under the background of the reform on deregulating interest rates in China,the overview of the determinant of commercial bank can promote the management ability of the commercial bank and the regulation efficiency,which is also good at the valuation of effect on the interest rate marketization.