国际金融研究
國際金融研究
국제금융연구
Studies of International Finance
2015年
2期
65~76
,共null页
利率市场化 利差 净息差 中间业务
利率市場化 利差 淨息差 中間業務
리솔시장화 리차 정식차 중간업무
Interest Rate Liberalization; Interest Rate Spread; Net Interest Margin; Intermediate Business
近年来，我国利率市场化改革骤然加速，这将给商业银行带来巨大的影响。本文从理论上分析了利率完全开放后商业银行可能面临的利差和盈利减少、信贷增速放缓、定价能力和风险管理、业务转型等冲击之后，系统地考察了各国利率放开后的利率水平、利差和净息差变化、贷款风险及不同规模类型银行业务发展特点等情况。在国际经验和对我国利率体系及银行业现状分析的基础上．针对我国商业银行如何应对利率市场化的挑战并顺利实现经营转型．提出了具体的策略建议。
近年來，我國利率市場化改革驟然加速，這將給商業銀行帶來巨大的影響。本文從理論上分析瞭利率完全開放後商業銀行可能麵臨的利差和盈利減少、信貸增速放緩、定價能力和風險管理、業務轉型等遲擊之後，繫統地攷察瞭各國利率放開後的利率水平、利差和淨息差變化、貸款風險及不同規模類型銀行業務髮展特點等情況。在國際經驗和對我國利率體繫及銀行業現狀分析的基礎上．針對我國商業銀行如何應對利率市場化的挑戰併順利實現經營轉型．提齣瞭具體的策略建議。
근년래，아국리솔시장화개혁취연가속，저장급상업은행대래거대적영향。본문종이론상분석료리솔완전개방후상업은행가능면림적리차화영리감소、신대증속방완、정개능력화풍험관리、업무전형등충격지후，계통지고찰료각국리솔방개후적리솔수평、리차화정식차변화、대관풍험급불동규모류형은행업무발전특점등정황。재국제경험화대아국리솔체계급은행업현상분석적기출상．침대아국상업은행여하응대리솔시장화적도전병순리실현경영전형．제출료구체적책략건의。
In recent years, China has accelerated the interest rate liberalization, which will greatly affect banks greatly. In this paper, we first analyze the theoretical effects, such as the decreasing interest spread and profit, lower loan growth, the capability of pricing, risk management and business transformation, and then take an international glance at the interest level, interest rate spread, net interest margin, loan risk and the business characteristics of different scale banks. Based on the international experiences and the analysis on China＇s interest rate arrangement as well as the status quo of the banking industry, we provide some suggestions on how to deal with the challenges of interest rate liberalization and realize transformation.
