利率市场化改革对商业银行理财业务的影响——基于商业银行理财收益分析

The Influence of Interest Rate Marketization Reform on Financial Management Business of Commercial Banks—Analysis of Financial Income of Commercial Banks

随着我国金融市场的不断发展,利率市场化改革已经成为中国金融体制改革中不可或缺的重要部分。回顾我国利率市场化改革的进程,其对我国商业银行理财业务有极大的影响。本文主要研究利率市场化与商业银行理财产品收益间的关系,通过选取Shibor、大型商业银行理财、股份制商业银行理财的数据进行研究,得出利率市场化促进商业银行理财收益增加。

With the continuous development of China’s financial market, interest rate marketization reform has become an indispensable part of China’s financial system reform. Reviewing the process of in-terest rate marketization reform in China, it has a great impact on the financial management busi-ness of commercial banks in China. This paper mainly studies the relationship between the interest rate marketization and the income of financial products of commercial banks. By selecting the fi-nancial data of Shibor, large commercial banks and joint-stock commercial banks, it concludes that the interest rate marketization promotes the increase of financial income of commercial banks.