利率市场化与商业银行公司金融业务转型

The Liberalization of Interest Rate and the Transformation of Corporate Finance Business of Commercial Banks

本文研究在利率市场化条件下商业银行如何推进公司金融业务的转型,在考察德国、日本、印度、韩国等国商业银行利率市场化后贷款、存款、利差及利息收入等发生变化的基础上,分析中国利率市场化的现状与趋势。分析表明,利率市场化将对中国商业银行公司金融业务的利差收入、业务结构、服务管理、风险管理等产生重要影响。为更好地应对利率市场化,商业银行必须加快转型,调整优化业务结构,推进综合化、国际化经营,加强业务与产品创新,打造独具特色的经营模式,通过公司金融业务的转型,推动商业银行经营模式和发展方式的转变。

This paper researches how commercial banks promote the transformation of corporate finance business on the conditions of the liberalization of interest rate.Based on the analysis of the changes in loan,deposit,net-interest-margin and net interest income after the liberalization of the interest rate of commercial banks in Germany,Japan,India,South Korea and other countries,the paper analyses the status and trends of the liberalization of interest rate in China.The analysis shows that the liberalization of interest rate will be a major impact on the net-interest-margin income,business structure,service management,risk management,etc.of the corporate finance business of Chinese commercial banks.To the better preparation for the liberalization of interest rate,Chinese commercial banks should speed up the transformation,adjust and optimize the business structure,promote the comprehensive and international operations,strengthen the innovation of business and product,create a unique operation mode and promote the changes in operation and development modes with the help of the transformation of corporate finance business.