利率市场化对我国城市商业银行的影响

The Pros and Cons Analysis of Interest Rate Marketization on the City Commercial banks

2014年开始银行业将面临着利率市场化的外界环境,在这样的背景下,我国银行业将会普遍感受到这一外界环境带来的巨大压力,尤其是资产总额相对较小的城市商业银行。本文使用SWOT模型对利弊进行分析可以看出在市场利率化的过程中城市商业银行面临的不仅仅是各种风险的加大,甚至还有倒闭的可能。然而不能忽视的是城市商业银行仍然在很多方面是具有优势的,比如更加熟悉银行本地的经济发展状况、与当地的企业合作更加密切,如果能更好的运用这些优势的同时,提升自身的创新能力、服务水平等综合素质,是完全可以利用这次机遇使银行自身的发展更加成熟。

Since 2014, city commercial banks will face the external environment of interest rate marketization. In this context, banking industry will be common feeling the pressure from the external envirumnent, especially city commercial banks. The pros and cons analysis of interest rate marketization on the city commercial hanks use SWOT model will see the banks not only have various risks, and even the possibility of failure. City commercial banks still have advan- tages in many aspects, such as more familiar with the local economic development, and have close, cooperation with local enterprises. If city commercial banks can use these ad- vantages to raise their ability of innovation and service level, they can become much stronger. At last are the suggestions.