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利率市场化进程逐步加深的今天,商业银行的净利差收入不断收窄,如何在净利差收入不断收窄的今天保持我国商业银行财务的稳定性成为商业银行发展必须解决的问题之一。本文通过引用我国16家上市银行的相关数据,分析并印证了净利差是目前我国商业银行盈利的主要来源,而非利息收入、存贷比等因素对银行财务稳定也有显著影响,重视并改进这些因素将对提高银行财务稳定性水平起到关键作用。
Nowadays, with the deepening of the marketization of interest rates, the net interest spread of commercial banks has been continuously narrowed. How to keep the financial stability of commercial banks in China today is one of the problems that must be solved in the development of commercial banks. This paper analyzes and confirms that the net interest spread is the main source of profit for commercial banks in our country by referring to the data of 16 listed banks in our country. However, non-interest income, loan-deposit ratio and other factors also have significant impact on the financial stability of banks. Factors will play a key role in raising the bank’s financial stability.