我国境内商业银行信贷利差变化及对策研究

The Change of SALIBLI of Domestic Commercial Banks and the Counter-measures

本文通过对我国境内商业银行信贷利差的分析,得出以下结论:首先,从宏观视角看,商业银行信贷利差与宏观经济周期性变化、融资结构和金融市场结构等宏观经济和金融生态环境密不可分;其次,从微观视角看,信贷利差差异与不同商业银行选取的利差决定模型、发展战略、资产负债结构和产品结构等密切相关。针对当前境内商业银行信贷利差管理中存在的问题,本文提出商业银行应在有效区分客户综合贡献度的前提下以利差作为议价的重要手段,构建盈利能力综合评价指标体系,提高中小企业信贷业务占比,多方配合以提高综合服务能力,并建立市场化的融资制度。

Through analyzing the spread between average loan interest and benchmark loan interest （SALIBLI） in Chinese commercial banks, the paper makes the following conclusions： first, from the macro-perspective, commercial bank＇s SALIBLI is closely related to the ecological environment of finance, such as the business cycle, the financing structure and the structure of financial market; second, from the micro-perspective, the difference of SALIBLI among commercial banks depends on their differences in interest spread pricing model, developing strategy, the structure of assets and liabilities and the product structure. Centering on the problems in managing SALIBLI, the paper proposes that under the premise of effectively distinguishing the composite contribution of customers, commercial banks should use SALIBLI as an important bargaining tool to build an integrated evaluation system on profitability, increase the proportion of credit business on small-and-medium-sized enterprises, improve the comprehensive service capability through multi-cooperation and establish the market-oriented financing mechanism.