存款利率市场化改革对商业银行的影响及对策分析

The Effect and Strategies of Deposit Interest Rate Marketization on Commercial Banks

从1996年央行在同业拆借市场启动了利率市场化改革,我国一直稳步推行利率市场化改革,随着我国市场化改革和国际化进程的加快,存款利率市场化成为下一步金融改革的必然要求。本文分析了存款利率市场化改革对商业银行的诸多影响,提出了商业银行在存款利率市场化改革大背景下的发展对策。

Since the central bank started interest rate liberalization reform in the interbank market in 1996,China has been steadily implementing interest rate liberalization reform.With the acceleration of liberalization reforms and the internationalization process in our country,interest rate liberalization in deposit has become an inevitable requirement in the following financial reform.This article is analyzing the affects caused by interest rate liberalization reform on commercial banks,proposing the development direction of commercial banks in the process of interest rate liberalization reform in deposit