2012年6月和7月,我国金融机构人民币存贷款基准利率及其浮动区间经历了两次调整,存款利率最高可上浮10%,贷款利率可下浮30%。为此,笔者选取江西省新余市3家地方法人银行机构,针对此次利率市场化改革对其业务经营影响进行了调查与分析。对地方法人银行的影响分析对银行资产负债结构的影响利率市场化能改变银行的负债结构及存款期限结构,使其资金成本上升,促使 In June and July 2012, the benchmark interest rates for RMB deposits and loans in China’s financial institutions and their floating ranges have undergone two adjustments. The deposit interest rates can go up 10% at most, and the loan interest rates can go down 30%. Therefore, the author selects three local corporate banking institutions in Xinyu City, Jiangxi Province, and conducts a survey and analysis on the impact of the market-based interest rate reform on their business operations. Impact on Local Corporate Banks Impact on Bank Asset-Liability Structure Marketization of interest rates can change the bank’s debt structure and maturity structure so that the cost of capital rises, prompting