【摘 要】
：
改革开放以来，我国经济保持了较快的发展速度，国有商业银行存款增速稳步攀升，但贷款增速却逐次惯性回落，靠存、贷款利差收入的商业银行经营成果的最终体现，将面临着银行利率通过两
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改革开放以来，我国经济保持了较快的发展速度，国有商业银行存款增速稳步攀升，但贷款增速却逐次惯性回落，靠存、贷款利差收入的商业银行经营成果的最终体现，将面临着银行利率通过两年６次下调和一次性大幅度下调准备金率的新的政策驱动下，资金上存央行已基本无利可图。再
Since the reform and opening up, China’s economy maintained a relatively fast pace of development. Deposits of state-owned commercial banks steadily increased. However, the growth of loans slowed down one after another. The ultimate manifestation of commercial banks’ operating results based on deposit and loan interest spreads was facing Driven by new policies that cut bank interest rates six times in two years and drastically lowered the reserve ratio at one go, the central bank has almost no profit. again
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