利率市场化对县域银行业务影响及对策研究

我国利率管理方式将由政府管制逐步演变到完全市场化。利率市场化可能导致银行利差缩小、风险增大,尤其县域银行受到的冲击更大。本文在分析当前县域银行业务的基础上,就利率市场化对县域业务的长期影响进行展望,并相应提出对策建议。

The mode of interest rate management of our country will evolve from government regulation to total market. Interest rate liberalization may lead to bank interest margin narrowed, the risk increases, especially the impact on country bank is greater. Based on the of analysis of the current county banking business, the paper forecasts the long-term impact of the interest rate liberalization, and puts forward countermeasures and suggestions.