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多种因素进一步影响人民币贷款利率定价,将对银行盈利状况产生重大影响当前,人民币贷款利率市场化正在快步前行,各商业银行均在积极建立贷款定价模型,推出更多的、差异化的人民币贷款定价基准利率,为风险偏好各异的借款客户提供更多选择。人民币贷款利率市场化向纵深发展和完善,市场参与者对贷款利率市场化认识加深,资金市场供给和贷款需求变化,人民币存款利率市场化的稳步推进,这些因素会进一步影响人民币贷款利率定价,将对银行盈利状况产生重大影响。
Various factors further affect the RMB loan interest rate pricing will have a significant impact on bank profitability At present, the marketability of RMB loan interest rates is fast forward, all commercial banks are actively establishing a loan pricing model, introducing more differentiated The benchmark interest rate for RMB loans provides more choices for borrowers with different risk appetite. The marketization of RMB loan interest rates has been further developed and improved. Market participants deepened their understanding of market-oriented lending rates, the changes in capital market supply and loan demand, and the steady marketization of RMB deposit interest rates, all of which further affected the pricing of RMB loan interest rates. Have a significant impact on the profitability of banks.