利率市场化对我国商业银行的影响

The Marketization of Interest Rate on the Impact of China's Commercial Banks

2012年6月7日,中国人民银行决定下调人民币存贷款基准利率,并首次允许存款利率上浮,这标志着我国利率市场化改革重新开启。中国人民银行决定自2013年7月20日起将全面放开金融机构贷款利率管制,意味着利率市场化的进一步推进。2013年10月25日,根据《市场利率定价自律机制工作指引》,全国银行间同业拆借中心开始发布一年期贷款基础利率。利率市场化的重启和进一步推进是我国金融体制改革的一项重大举措,而利率市场化必然给我国商业银行的发展带来重大影响。本文即围绕此进行研究,分析利率市场化对我国商业银行产生的冲击,并有针对性地给出了商业银行应对利率市场化的建议与对策。

In June 7, 2012, the people＇s Bank of Chinese decided to cut the benchmark deposit and lending rates, and allow the deposit interest rate rise for the ifrst time, this indicates that the reform of China＇s interest rate market after many years of silence and re open. The people＇s Bank of Chinese decision since July 20, 2013 will be fully liberalized ifnancial institutions loan interest rate regulation, means to further promote the marketization of interest rate. In October 25, 2013, according to the＂market interest rate pricing mechanism of self-discipline guidelines＂, the National Interbank Funding Center began to publish a one-year loan interest rate basis. The marketization of interest rate and the restart of further advance is an important measure of the reform of ifnancial system in China, the signiifcant impact and the marketization of interest rate is bound to the development of commercial banks in china. In this dissertation the research, analysis of China＇s commercial banks to generate the impact of market interest rate, and in the light of the suggestions and Countermeasures of commercial bank interest rate marketization is given.