利率市场化及对商业银行经营策略影响的思考

The Reflection on the Interest Rate Marketization and Its Effect on the Business Strategy of Commercial Banks

从2013年7月20日起,央行宣布全面放开金融机构贷款利率管制,这是我国利率市场化进程中的一个标志性事件。利率市场化对我国商业银行经营模式将产生深远影响,但彻底完成利率市场化应需要做好政策配套。本文从我国利率市场化改革进程回顾出发,分析下一步的改革思路,并简要分析了商业银行的经营对策。

Since July 20,2013,the central bank announced that the control on the lending interest rate of financial institutions has been totally released,which is a landmark event in the process of the interest rate marketization in China.The interest rate marketization will have a profound effect on the business pattern of China's commercial banks,but that the interest rate marketization is really realized needs supporting policies.Reviewing the process of the interest rate marketization reform in China,the paper analyzes the reform idea of the next step,and briefly analyzes the business countermeasures of the commercial banks.