考虑国际银行业的经验,从利率市场化之后不同金融机构的影响来看,大型银行由于其风险定价能力较强、传统业务占比相对较低、存款来源相对稳定的优势,受到的冲击较小。相对于大银行,中小银行受困于网点数量少、品牌知名度低、收入渠道窄、议价能力弱以及人才匮乏等方面原因,在应对利率市场化方面受到的冲击必将远大于大型银行。 Considering the experience of the international banking industry, from the perspective of the impact of different financial institutions after the marketization of interest rates, the large banks have been less affected by their relatively stronger risk pricing ability, relatively lower proportion of traditional businesses and relatively stable deposit sources . Relative to the big banks, small and medium-sized banks are bound to suffer much less impact on the market-based interest rate liberalization than the large banks because of their limited number of outlets, low brand awareness, narrow income channels, weak bargaining power and lack of qualified personnel.