超额准备金利率下调对银行业的影响

The Impact of Falling of Excess Reserve Ratio upon Banking Industry

2005年3月,央行下调了超额准备金存款利率。这一政策的实施,有利于促进银行业进一步提高资金使用效率,有利于提高其流动性管理水平,有利于金融机构加强负债和资产管理,但同时也给银行业带来了信贷风险增大、经营效益会降低、债券市场风险加大、资金被调控的压力增大等多种压力。所以,银行要加强资金成本管理、负债管理、信贷风险管理、债市风险管理、资金调控管理,以全面提高自身的竞争力。

The central bank decreased excess reserve ratio in March, 2005. The implementation of this policy will be beneficial for banking industry to promote further fund exploitation efficiency, to improve liquidity management level, and for financial institutions to intensify liability-assets management, but meanwhile has brought banking industry various pressure, such as loan risk, operation effect vulnerable to drop, enlarged bond market risk, intensified pressure for fund to be regulated. Therefore, it’s banks’ duty to strengthen fund cost management, liability management, loan risk management, bond market risk management, fund regulation management so as to improve comprehensively competition ability of their own.