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净息差、净利差是衡量商业银行盈利水平的重要指标,受生息资产收益率、付息负债的付息率及生息资产与付息负债占比影响,与商业银行自身的资产负债结构和定价水平高度相关。因此,要提高商业银行的盈利水平,必须提高生息资产各业务类型定价能力,加强付息负债各业务类型成本控制,不断实施业务创新,有效开拓低成本负债来源和高收益资产的新渠道。
Net interest margin and net interest spread are important measures of the profitability of commercial banks. Influenced by the return on interest-earning assets, the interest-bearing rate of interest-bearing liabilities and the proportion of interest-earning assets and interest-bearing liabilities, the net interest margin and commercial bank’s own asset-liability structure and pricing Highly relevant. Therefore, in order to improve the profitability of commercial banks, it is necessary to increase the pricing power of various types of interest-bearing assets, strengthen the cost control of various business types of interest-bearing liabilities, continuously implement business innovation and effectively open up new channels for low-cost liability sources and high-yield assets.