利率市场化对商业银行影响的经验及启示——以台湾为例

The Experiences and Enlightenment of the Influence of Interest Rate Liberalization on Commercial Banks——A Case of Taiwan

利率市场化的加速推进给国内城商行的经营发展带来深刻的影响。国内利率市场化遵循渐进改革思路,与台湾地区利率市场化具有相似之处,经历14年的利率市场化改革,台湾银行业在低利差的环境下通过推进组织流程优化来提升运营效率;强化金融服务手段来改善资金来源结构,从而降低资金成本;依托金融控股公司平台,发挥整合行销效益,扩大客户基础;积极调整优化资产结构,大力拓展民营企业和消费金融业务等举措实现发展转型及安全稳健经营。台湾银行业的发展经验值得国内城商行借鉴。

The acceleration of interest rate liberalization brings profound influence to the operation and development of domestic urban commercial banks. The domestic interest rate liberalization follows the gradual reform, which is similar with the liberalization in Taiwan. Through 14 years of interest rate liberalization reform, under the environment of low margin, Taiwan＇ s banking has adopted a series of measures to achieve the development transition and safe and steady operation such as promoting the operational efficiency by pushing organizational process optimization, improving the structure of capital resources by strengthening the financial service so as to reduce the capital cost, integrating marketing benefits to expand the customers base by means of the platform of financial holding companies, actively adjusting and optimizing the asset structure, greatly expanding the financial business of private enterprises and consumption and so on. Experiences of the development of Taiwan＇ s banking is worth learning for domestic urban commercial banks.