利率市场化背景下商业银行息差管理研究——以交通银行为例

Study on Commercial Banks' Interest Margin Management at the Background of Interest Rate Marketization: Taking BOCOM as an Example

利率市场化给商业银行带来了巨大的机遇和挑战,尤其是在商业银行息差管理方面。在降杠杆、强监管的背景下,大部分商业银行的息差继续收窄。为了更好地适应利率市场的变化,结合利率市场化情况和有关银行的经验,分析商业银行息差现状,并结合实际息差情况,对利率市场化背景下商业银行存息差管理进行一些探讨,旨在进一步提高商业银行的息差管理能力。

The commercial banks faced the enormous chances and challenges brought by the interest rate marketization, especially in the interest margin management of commercial banks. Most of commercial banks' interest margin kept narrowing under the background of lowering leverage ratio and strengthening regulatory. For better adapting to the changes of interest rate market, this paper analyzed the interest margin condition of commercial banks by combining with interest rate marketization situation and related banks' experiences, and then made some discussions on saving interest margin management of commercial banks under the background of interest rate marketization with the combination of BOCOM's actual interest margin situation, in order to improve the commercial banks' capacity of interest margin management.