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我国全面放开利率管制后,利率完全由市场上的资金供求状况决定,这必将对高度依赖存贷利差的商业银行产生极大影响;另一方面,存贷利差的收窄,倒逼商业银行调整业务结构及经营战略,开辟新的资金运用渠道,推动整个金融行业往更加健康的方向发展。本研究以我国16家A股上市商业银行2006~2015年的面板数据为样本,实证研究我国利率市场化对我国上市商业银行盈利能力的影响。研究表明:利率市场化对我国上市商业银行盈利能力产生显著的正向促进作用。据此,本文提出了三点建议:坚持银行经营“三性”原则;提高自身风险管控能力;在自身风险管理能力和风险承担边界内有秩序地推进创新。
After China liberalized interest rate control completely, interest rates were entirely determined by the supply and demand of funds in the market, which would have a tremendous impact on commercial banks that were highly dependent on the interest rates on deposits and loans. On the other hand, the spread between deposits and loans narrowed down Forced commercial banks to adjust business structure and business strategy, open up new channels for the use of funds to promote the entire financial industry to a more healthy direction. Based on the panel data of 16 A-share listed commercial banks in China from 2006 to 2015, this study empirically studies the impact of the marketization of interest rates on the profitability of China’s listed commercial banks. The research shows that the marketization of interest rate has a significant positive effect on the profitability of China’s listed commercial banks. Accordingly, this article puts forward three suggestions: insist on the principle of bank operation “three nature ”; improve own risk management and control ability; and promote innovation in an orderly manner within the boundary of own risk management ability and risk commitment.