利率市场化下商业银行利率竞争的博弈分析

Analysis of commercial bank interest competion under interest marketlization

受金融危机的影响,我国存贷款基准利率发生相对频繁的波动,这也引起人们更加关注利率波动的影响。存贷利差水平是目前影响我国商业银行盈利水平的最重要因素,因而随着利率市场化的逐步深入,商业银行无疑将围绕利率展开更激烈的存贷业务竞争。本文从微观角度,运用博弈论的非合作博弈与合作博弈的一些基本方法,构建博弈模型分析我国商业银行利率竞争的态势,并基于这一分析提出相应的建议。

Under the influence of financial crises, people more pay attention to the influence of fluctuation of interest rate, because deposit and loan benchmark interest rate fluctuates relatively frequent in china. Currently, interest rate margin is the best important factor of the level of payoff of commercial bank in our country. By going deep of interest rate marketization, commercial banks will make much more competition about deposit and loan by interest rate. From microeconomics, by the basic method of noncooperative game and coperative game.the paper sets up game model analyzes the Situation of the interest rate competition on commercial banks, And it also puts forward responsive advice by the analysis.