我国利率市场化对小型银行的影响和应对研究

The Impact of Interest Rate Deregulation on Small-Sized Banks

当前,我国小型银行正在逐步形成差异化经营模式,经营管理水平不断提高,但在盈利模式、风险管理、经营能力、公司治理等方面与利率市场化的要求和大型银行相比仍然存在较大差距,是利率市场化进程中的薄弱环节。面对利率市场化的挑战,为尽可能降低自身和整体银行业的转型成本,我国小型银行应尽快健全基础管理体系,加快转变经营策略,积极完善内部管理,大力增强风险控制能力。国家金融管理部门也需要在制度层面为小型银行发展创造良好条件,并加强系统性风险的预警和防范。

Nowadays, a mode of differentiation is formed gradually among China＇s small banks, whose operational management level gets continuously increased. However, given the requirements of interest rate marketization, comparing to some large banks, our profitability model, risk management, business capabilities and corporate governance still lag behind, which become the weak links during the marketization of interest rate. Facing this challenge, China＇s small banks are trying to lower the cost of the whole banking sector＇s transformation. They should significantly strengthen the fundamental management system, accelerate the change of business strategy, improve internal management system and enhance the risk control ability. Moreover, at an institutional level, the national financial regulatory authorities should create favorable conditions for the development of small banks, and strengthen the warning and preventionof the systemic risk.