CAJ | 학술논문

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。
2011년6월，앙행선포동시확대존대관리솔부동구간적상하한，7월진일보확대료대관리솔적부동하한，저표명아국리솔시장화이진입실질성추동계단。리솔시장화회도치존대리차수착，도전상업은행적영리능력，박사은행개변원유운영모식，가쾌종합경영발전보벌。결합아국은행업근년래종합경영발전역정，심입분석료비은행금융행업재리솔시장화진정중장면림적궤우화도전，이급상업은행개전종합경영대기화해리솔시장화충격적중요작용。
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 indi- cates 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 orig- inal operation mode and accelerate the pace of comprehensive management. Combined with the development process of compre- hensive management of China＇ s banking industry in recent years, this paper gives a deep analysis on the opportunities and chal- lenges 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.