利率市场化进程中中小型商业银行盈利能力研究——以我国10家上市中小型商业银行为例

发布时间：2018-01-21 12:39

本文关键词： 利率市场化中小型银行盈利能力　出处：《新金融》2014年11期 　论文类型：期刊论文

【摘要】：2012、2013年我国利率市场化进程加快,商业银行拥有了自主定价权,而随之出现的激烈市场竞争也对银行业持续多年的高额盈利能力带来挑战。相对于大型银行,我国中小型商业银行基础薄弱,在利率市场化背景下的盈利能力以及其采取的经营战略引起业界普遍关注。本文以10家中小型上市银行的年度报告为依据,分析了2011-2014年上半年间在利率市场化进程加快背景下我国中小型商业银行盈利水平及盈利结构变化状况,并深入探析了中小型商业银行近年来采取的经营策略所形成的经济后果。
[Abstract]:In 2013, China's interest rate marketization process accelerated, commercial banks have their own pricing power. However, the fierce market competition has also brought challenges to the high profitability of the banking industry for many years. Compared with the large banks, the foundation of the small and medium-sized commercial banks in China is weak. Under the background of interest rate marketization, profitability and its management strategy have attracted widespread concern in the industry. This paper is based on the annual report of 10 small and medium-sized listed banks. This paper analyzes the changes of profit level and profit structure of small and medium-sized commercial banks in China under the background of accelerated interest rate liberalization in the first half of 2011-2014. The economic consequences of the management strategy adopted by the medium and small commercial banks in recent years are also analyzed in depth.
【作者单位】：洛阳理工学院会计学系;
【分类号】：F832.1;F832.33;F276.3;F830.42
【正文快照】： 1996年,以放开同业拆借市场利率为标志,我国逐步放开利率管制,开始利率市场化进程。利率市场化是我国金融业改革的主要方面之一,其实质是加大金融机构资金定价自主权,形成以中央银行基准利率为基础、以货币市场利率为中介、由市场供求决定金融机构存贷款利率的市场利率形成机

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