论文部分内容阅读
随着利率市场化进程的不断深化,我国存款利率上升幅度大于贷款利率上升幅度的趋势已经愈加明显,银行的净息差将逐步收窄已成必然。其原因在于,此前我国银行业贷款利率的市场化程度相对较高,贷款利率的上限是放开的,而存款利率却被监管部门管住了上限。因此,银行业利率市场化逐步深化之后,贷款利率上升的幅度有限,而存款利率上升的趋势和幅度会很明显。利率市场化无疑将导致商业银行竞争加剧、收入结构发生变化、利息收入占比下降、非息收入占比上升这一结果。这是商业银行竞争加剧的必然,在所有利率市场化的国家中没有例外。
With the deepening of the process of marketization of interest rates, the trend that deposit rates in our country have risen more than the increase in lending rates has become even more evident. It is therefore inevitable that the bank’s net interest margin will gradually narrow. The reason is that after China’s banking sector lending rates relatively high degree of marketization, the upper limit of lending rates is liberalized, while the deposit interest rates have been capped by the regulatory authorities cap. Therefore, the gradual deepening of the banking sector interest rate liberalization, the rate of increase in lending is limited, and the trend and magnitude of the deposit interest rates rise will be obvious. Interest rate liberalization will undoubtedly lead to increased competition in commercial banks, changes in income structure, a decrease in the proportion of interest income, and an increase in the proportion of non-interest-bearing income. This is an inevitable result of the intensifying competition in commercial banks. There is no exception in all the countries marketized by interest rates.