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利率市场化的核心是利率形成机制的市场化,商业银行根据市场的资金供求变化来自主调节存、贷款利率,从而有效实现资金最优化配置。从北京辖内商业银行情况来看,利率管制逐渐放开后辖内商业银行的存款利率走势平稳,贷款利率稳中有升,贴现利率则大幅反弹。利率市场化短期内对辖内商业银行的存款、贷款和盈利的规模和结构产生了一定影响。为应对利率市场化带来的影响,应加快制定配套制度,改变传统的盈利模式,建立合理的定价机制。
The core of interest rate marketization is the marketization of the interest rate formation mechanism. Commercial banks adjust the deposit and lending interest rate according to the change of capital supply and demand in the market so as to realize the optimal allocation of funds. Judging from the situation of commercial banks in Beijing, the deposit interest rates of commercial banks under their jurisdiction gradually relaxed after the gradual liberalization of interest rate control. The lending rates rose steadily and the discount rates rebounded sharply. In the short term, interest rate liberalization has exerted a certain influence on the size and structure of deposits, loans and profits of commercial banks under its jurisdiction. In order to cope with the impact of the marketization of interest rates, it is necessary to speed up the formulation of ancillary systems to change the traditional profit model and establish a reasonable pricing mechanism.