摘要
人们普遍有这样一个认识,为了补贴相对低效率的银行业,中国政府通过利率管制等手段长期维持着一个较高的存贷利差。但研究表明,中国银行业存贷利差在国际范围内其实处于相对较低的水平。本文讨论了利差偏低的原因及影响,并提出了相应的政策建议。
It is universally acknowledged that in order to help banking of comparatively low efficiency,Chinese government has maintained a higher deposit and loan interest spreads for a long time through interest rate control.However,the research turns out that in an international context,deposit and loan interest spreads of Chinese banking is in a comparatively low level.In this paper,we discuss the reason and effects of low interest spreads,and also propose the corresponding policy and suggestion.
出处
《现代财经（天津财经大学学报）》
CSSCI
北大核心
2012年第4期5-10,共6页
Modern Finance and Economics：Journal of Tianjin University of Finance and Economics
关键词
存贷利差
商业银行
不良贷款
资本充足率
deposit and loan interest spreads
commercial bank
non-performing loans
capital adequacy ratio
