人民币利率市场化对银行息差管理影响的机理分析

Mechanism Analysis of the Impact Of RMB Interest Rate Liberalization on Interest Margin of Banks

人民币利率市场化是我国金融市场化过程中的重要环节,机遇与挑战并存.随着人民币利率市场化,我国银行系统也将承受起相应的风险.文章以人民币利率市场化为研究大背景,介绍了人民币利率市场化的进程;利用息差的计算公式总结了银行息差的影响因素,分别为银行资产收益率、资产负债率、银行负债成本率,并对银行息差问题提出应对措施.

The marketization of RMB interest rate is an important link in China's financial marketization process, and opportunities and challenges coexist. With the marketization of RMB interest rates, China's banking system will also bear corresponding risks. The article takes the marketization of RMB interest rate as the research background and introduces the process of RMB interest rate marketization. The calculation formula of interest rate difference is used to summarize the influencing factors of bank interest rate, which are bank asset return rate, asset-liability ratio and bank debt cost rate. And put forward countermeasures against bank spreads.