我国利率市场化的渐进过程及对商业银行的影响

The Analysis on the Gradual Process of Interest Rate Liberalization and How Affecting the Performance of Commercial Banks in China

利率市场化改革是我国金融体制改革的重要内容。基于我国的基本国情,"渐进模式"是我国利率市场化的理性选择。目前我国已经先后完成了货币市场、债券市场以及外币存贷款市场的利率市场化,未来改革的重点是逐步放松对人民币存款利率上限和贷款利率下限的管制。2012年中国人民银行先后对人民币存款利率上限和贷款利率下限进行了调整,文章根据银行2011年的财务报表数据量化分析了这两项调整对商业银行利息净收入和净利润的影响。

The reform of interest rate liberalization is one of the important parts in financial system reform in China.The gradual mode is the rational option considering the financial conditions and economy background in China.By now the reform has been accomplished in money market,bond market and foreign exchange deposit and loan market.In future it is thought to be the next step for interest rate liberalization to deregulate the upper limit of RMB deposit rate and the lower limit of RMB loan rate gradually.As expected the People＇s Bank of China adjusted the limits of interest rate of RMB deposit and loan in this year.In the second half of the article we analyzed how the above adjustment affected the performance of commercial banks in quantitative respect based on the financial statement of commercial banks in year 2011.