利率市场化时代下商业银行发展对策研究

Study on Commercial Bank Development Strategy under the Interest Rate Market Era

利率是国家宏观调控的重要手段。2013年7月20日,中央银行取消了商业银行贷款下限的限制,使贷款利率完全由市场竞争来决定。利率市场化对商业银行的经营风险和经营环境产生了重大的影响,对商业银行未来的发展既是机遇也是挑战。在利率市场化时代下,商业银行必须采取必要的措施来把握机遇和迎接挑战。文中主要围绕利率市场化对商业银行的影响,对其未来可持续发展有针对性地提出对策。

The interest rate is an important means of national macro-control.July 20,2013,the Central Bank canceled the commercial bank loan limit restrictions,so that the loan interest rate is determined entirely by market competition.Market interest rates of commercial banks operating risk and business environment has had a major impact on the future development of the commercial banks is both an opportunity and a challenge.In the era of market interest rates,commercial banks must take the necessary measures to seize opportunities and meet challenges.This paper mainly focus on the impact of interest rate marketization of commercial banks,targeted to propose a solution for its future sustainable development.