利率市场化对中国商业银行经营效率的影响

The Influence of Interest Rate Marketization on the Operating Efficiency of Chinese Commercial Banks

本文基于利率市场化背景,对中国商业银行的经营效率进行研究。文章聚焦商业银行经营效率的理念,针对发达国家利率市场化过程中商业银行经营效率体现的特征进行归纳,并结合我国利率市场化背景下商业银行经营业绩指标进行分析,最后提出从经营理念、业务结构、客户选择、资产负债管理、成本控制、风险管理等六方面提高商业银行管理水平,优化商业银行经营效率。

In this paper, the marketization of interest rate based on the study of commercial bank China operating efficiency. Articles focus on the efficiency of commercial banks in philosophy, according to the characteristics of the embodiment of the efficiency of commercial banks in the process of marketization of interest rate of developed countries are summarized, and combining with the marketization of interest rate of our country and the background of the commercial banks operating performance indicators were analyzed, finally from the business philosophy, business structure, customer selection, asset liability management, cost control, risk management improve the level of the management of commercial banks, commercial banks operating efficiency optimization