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我国GDP增长率从去年未的9.2%下降为二季度末的7.6%,预计“十二五”期间的GDP增长率将下降至7%左右,经济持续下行将显著导致经济体对商业银行的信贷需求萎缩。2012年6月7日,人民银行实施实质性不对称下调利率政策,而且在不到一个月的时间再次调低存贷款基准利率,直接压缩商业银行利润空间,并真正开启利率市场化。6月8日,银监会发布《商业银行资本管理办法》(以下简称《资本办法》),新规的发布有助于商业银行增强抵御风险的能力,促进经营管理的战略转型,但是,在经济下行和利率市场化背景下实施监管新规对于发展水平比较滞后、资本和资产利润率较低、息差收入占比较高的农村中小金融机构来说,显然构成更加严峻的冲击和挑战。
China’s GDP growth rate dropped from 9.2% last year to 7.6% at the end of the second quarter. It is estimated that the GDP growth rate during the “Twelfth Five-year” period will drop to about 7%. Continued economic downturn will significantly cause the economy to affect commercial banks The credit demand is shrinking. On June 7, 2012, the People’s Bank of China implemented a substantive asymmetric interest rate cut policy. In less than a month, the People’s Bank of China lowered the benchmark lending and deposit interest rates again, directly squeezed the profit margin of commercial banks and really started the marketization of interest rates. On June 8, the CBRC promulgated the Measures for the Capital Management of Commercial Banks (hereinafter referred to as the “Capital Measures”). The release of new regulations will help commercial banks enhance their ability to resist risks and promote the strategic transformation of business management. However, with the economic downturn And the new market regulation of interest rates to implement regulatory new regulations for the relatively backward development of the level of capital and assets, lower profit margins, a higher proportion of interest-earning rural small and medium financial institutions, apparently pose a more severe impact and challenges.