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中国正在逐步深入利率市场化,继去年央行五次降准后,2016年的首次降准最终在2月份最后一天落地,由此可见利率市场化的步伐正在加快。利率能起到合理配置资源的作用,它能够将资金引导流向市场中最有效率的部门,所以随着利率市场化的推进,我国市场将受到很大的影响,本文主要分析了利率市场化的不断加快对我国商业银行带来的机遇和挑战,并针对性的提出了对策建议。
China is gradually deepening the marketization of interest rates. Following the RRR cut of the central bank last year, the first RRR cut in 2016 finally landed on the last day of February. This shows that the pace of marketization of interest rates is accelerating. Interest rates can play a reasonable role in the allocation of resources, it can guide the funds flow to the most efficient sector, so with the advancing interest rate marketization, our market will be greatly affected, this paper analyzes the market-oriented interest rates Constantly speed up the opportunities and challenges brought to our commercial banks, and put forward countermeasures and suggestions in a targeted manner.