浅谈利率市场化LPR给商业银行带来的机遇和挑战

Discussion on the Opportunities and Challenges Brought by Interest Rate Liberalization LPR to Commercial Banks

利率市场化标志着我国银行利率改革进入新时代,其改变了传统的“吃利差”盈利模式。LPR的实施对我国商业银行而言是一把“双刃剑”,既为商业银行的发展注入新的发展机遇,也给商业银行发展带来诸多挑战。论文结合多年工作经验,以对LPR的概述作为切入点,分析LPR对商业银行的机遇与挑战,最后提出商业银行应对LPR改革挑战的具体对策建议。

Interest rate liberalization marks a new era in China's bank interest rate reform,which has changed the traditional profit mode of"eating interest rate spread".The implementation of LPR is a"double-edged sword"for China's commercial banks,which not only infuses new development opportunities for the development of commercial banks,but also brings many challenges to their development.Based on years of working experience,this paper takes the overview of LPR as the starting point to analyze the opportunities and challenges of LPR to commercial banks,and finally puts forward specific countermeasures and suggestions for commercial banks to deal with the challenges of LPR reform.