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NIM(Net Interest Margin)又称净利息收益率,是商业银行衡量资产负债管理水平的重要指标,也是股东最为关注的指标之一。NIM全方位体现了商业银行业务经营的各个层面,包括业务规模、资金运用能力、资产定价水平、筹资成本、风险管理、客户产品结构。在利率市场化背景下,如何紧贴自身实际,切实优化业务发展方式,有效提升NIM管理水平,不断增强核心竞争力,是当前亟待研究解决的重要课题。本文深入分析了利率市场化对NIM的影响以及扬州农行NIM指标管理方面的差距,提出了优化业务结构、提升NIM管理水平、增强价值创造能力的总体思路及主要措施。
NIM (Net Interest Margin), also known as net interest margin, is an important measure of commercial banks to measure the level of assets and liabilities management, but also one of the shareholders most concerned about. NIM fully embodies all aspects of commercial banking operations, including business scale, capital utilization, asset pricing, funding costs, risk management, customer product structure. Against the background of interest rate liberalization, it is an important issue that urgently needs to be studied and solved at present how to closely follow its own reality, effectively optimize the business development mode, effectively improve the management level of NIM and continuously enhance its core competitiveness. This paper analyzes in depth the impact of interest rate marketization on NIM and the gap between NIM index management in Yangzhou Agricultural Bank and puts forward the overall idea and measures for optimizing business structure, enhancing NIM management and enhancing value creation.