利率市场化对商业银行存贷款业务规模的影响

The Impact of Interest Rate Marketization on the Scale of Deposit and Loan Business of Commercial Banks

利率是影响商业银行存贷款规模量最重要的因素。我国金融业的起步比较晚,早期不成熟的市场需要对利率进行管制以防止出现大幅波动。如今随着改革开放和经济全球化,管制下的利率已经不符合市场需求,扭曲的定价更是抑制商业银行的经营发展。文中从利率市场化出发,参考国外利率市场化实例,研究中国利率市场化进程,分析商业银行存贷款业务受到的影响,并从经营管理、风险防范、人才引进等多个方面提出相关的建议。

Interest rate is the most important factor affecting the deposit and loan scale of commercial Banks.China's financial industry started relatively late,and the early immature market needs to regulate interest rates to prevent sharp fluctuations.Nowadays,with the reform and opening up and economic globalization,the regulated interest rate has been out of line with the market demand,and the distorted pricing has inhibited the operation and development of commercial Banks.Starting from interest rate liberalization,this paper studies the process of interest rate liberalization in China by referring to foreign interest rate liberalization examples,analyzes the influence of deposit and loan business of commercial Banks,and puts forward relevant suggestions from aspects of operation management,risk prevention and talent introduction.