利率市场化进程中我国中小银行的经营策略选择

The Strategy of Small and Medium-Sized Banks in the Process of Interest Rate Marketization in China

文章在分析中小银行与大银行实力对比的基础上,研究了利率市场化的影响,即放开存款利率上限与贷款利率下限,为中小银行提出了针对利率市场化改革的策略选择:充分利用价格手段积极竞争,在短期以量补价,拓展有自身特色的中间业务;在长期逐步转型,紧紧抓住中小企业贷款业务,与非正规金融逐利;提前建设利率风险管理体系,加强信用风险管理。

Based on the comparison of small and medium-sized banks with big banks, this paper studied the effect of the market-oriented interest rate, i. e. the unlocking of the ceiling on deposit rates and lending rates. This paper proposed strategies for small and medium-sized banks： make full use of price competition, and in the short term, make up for the loss of price with adequate volume, and develop special intermediate business. In the long-term of gradual transition, seize the small and mediumsized enterprise loan business, try to get profit from informal finance ; advance the construction of the management system of interest rate risk, and strengthen credit risk management.