以做市商模型看利率市场化对商业银行的影响

An Application of the Market Maker Model in Analyzing the Influences of Interest Rate Liberalization on Chinese Commercial Banks

挣脱利率管制化的束缚,中国商业银行业发生了巨大变化。中国银行的盈利模式也随之发展创新。选取2008年~2018年十年中国商业银行(以中国四大行为例)年度数据分析当今中国商业银行收入走向,结合做市商模型理论分析中国商业银行存贷款利差的影响因素论证利率市场化程度对中国商业银行存贷款利差之间呈现的函数图像,分析利率市场化程度是否需要进一步加强。同时分析利率市场化为中国商业银行带来的机遇和挑战并且提出相应的建议方案。

Without the regulation of interest rate, great changes have taken place in China’s commercial banking sector. Besides, the profit model of China’s commercial bank also develops accordingly. The annual data of China’s commercial bank in the decade from 2008 to 2018 (four banks in China as examples) were selected to analyze the current profit model of China’s commercial bank. And the factors influencing the profit model of China’s commercial bank were theoretically analyzed to demonstrate the function graph of interest rate liberalization on the interest rate and the difference of deposits and loans of Chinese commercial Banks. At the same time, it analyzes the opportunities and challenges brought by the interest rate liberalization for China’s commercial bank and puts forward corresponding proposals.