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利率市场化是一把双刃剑,在为商业银行带来挑战的同时也为商业银行带来了机遇。本文立足利率市场化改革,分析了利率市场化对我国商业银行的积极影响和消极影响,从而为商业银行应对利率市场化提供参考。
Marketization of interest rates is a double-edged sword that brings challenges to commercial banks as well as opportunities for commercial banks. Based on the market-based interest rate reform, this paper analyzes the positive and negative effects of the marketization of interest rates on China’s commercial banks, and provides a reference for commercial banks to deal with the marketization of interest rates.