经济自由化背景下银行利差影响因素分析

Analysis of Influencing Factors in the Banking Interest Spread on the Basis of Economic Liberalization

本文主要研究了经济自由化背景下银行利差影响因素。通过中国2002-2010年间面板数据的实证研究,结果表明经济总体自由、货币自由与银行利差之间呈现负相关性,而贸易自由与银行利差之间则呈现正相关性。但考虑到经济不自由或自由不充分会导致银行垄断及垄断下的低效率和净社会福利损失,本文建议实施经济自由的开放政策,银行则可以坚持发展多元化业务以弥补经济自由所造成的利差收入下降。

This paper mainly exanines the influence of banking Interest Spread on the basis of economic liberalization. The anal- ysis is based on the panel data in 2002-2010 of China, the results show that there is a positive relationship between free trade and bank spreads, whereas the correlation among over freedom, monetary freedom and the bank rate is negative. But if the eco- nomic freedom or freedom is not fully, it will lead to banking monopoly, economic inefficiencies and net loss of social wel- fare, so this article still recommends the Chinese government should implement the economic freedom and open policy, the banking industry may adhere to developing diversified business in order to make up for the spread income decline caused by economic freedom.