利率市场化对我国商业银行的影响及对策分析

Interest Rate Liberalization of Commercial Banks of China:Impact and Countermeasures

利率市场化对我国商业银行的银行净息差、银行收入结构、金融脱媒及银行风险管理等方面存在影响。中国商业银行应通过加快金融创新、差异化定位、加快混业经营步伐、适度增加海外机构设立以及提高利率管理水平等举措来应对利率市场化趋势。

The interest rate liberalization has influence on commercial banks of China in these areas： bank net interest margin, income structure of banks, financial disintermediation, and bank risk management. To deal with the interest rates liberalization tendency, the commercial banks of China should speed up fi- nancial innovation and differentiated positioning, speed up the pace of mixed operation, increase overseas institutions appropriately, and improve the level of interest rate management.