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2015年,人民银行不再对金融机构设置存款利率浮动上限,标志着我国利率市场化的进程基本完成,这对我国商业银行造成了巨大影响。本文从理论上分析了利率完全放开后对商业银行可能造成利差减少,利润下降,风险上升,对创新提出更高要求等方面的影响。结合商业银行净利润下滑,不良贷款率上升,净息差收窄,息差收入比重下降等现状,针对商业银行如何面对利率市场化造成的冲击,提出了具体的策略建议。
In 2015, the People’s Bank of China no longer set a floating cap on deposit interest rates for financial institutions, marking that the process of marketization of interest rates in China has basically been completed, which has had a tremendous impact on China’s commercial banks. This paper theoretically analyzes the impact of commercial banks on the possible reduction of interest spread, declining profits, rising risks and putting higher demands on innovation after interest rates are completely liberalized. Combined with the decline in the net profit of commercial banks, the rise of the non-performing loan ratio, the narrowing of the net interest margin and the decrease of the interest income income, the paper put forward specific tactics and suggestions on how commercial banks should face the impact of marketization of interest rates.