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2008年10月的房贷政策调整是我国原有的管制利率向市场化利率转变的一个重要信号。住房按揭贷款利率在这一过程中的下浮调整,也同时触发了银行在金融创新方面的尝试和发展。通过利率市场化和金融产品的创新,银行提高了中间业务收益的占比,使经营发展更稳健。国家也拥有了更为灵活有效的经济调控手段。本文以对在住房按揭利率下浮背景下银行业务的深入分析,以期望展现利率市场化以及由此而来的金融创新发展的趋势变化。
The adjustment of the mortgage policy in October 2008 is an important signal that the original interest rate control rate of our country is changed from a market-oriented interest rate. The downward adjustment of housing mortgage loan interest rate in this process also triggered the banks’ attempt and development in financial innovation at the same time. Through market-based interest rates and the innovation of financial products, banks have increased the proportion of revenue generated by intermediary businesses and made their business development more robust. Countries also have more flexible and effective economic control measures. Based on an in-depth analysis of the banking business under the background of downward mortgage interest rates, this paper hopes to show the trend of marketization of interest rates and the resulting trend of financial innovation and development.