美、日经验对我国低利率时期商业银行经营启示

Implications for Chinese Commercial Banks in a Low-InterestRate Environment: Insights from U.S. and Japanese Experience

从美国和日本在低利率环境下的经验,提出中国商业银行业在面临利率下行压力时,应加强资产负债管理,优化存款利率结构,并推动业务向轻资本化转型,以增强对利率风险的抵御能力的启示。

This paper draws on the experiences of the United States and Japan in low-interest-rate environments to propose that,in the face of downward pressure on interest rates,Chinese commercial banks should strengthen their asset-liability management,optimize the structure of deposit interest rates,and drive a transition towards lighter capitalization.These strategies are aimed at enhancing the banks'ability to withstand interest rate risks.