利率市场化与中国银行业的战略转型

发布时间：2018-01-22 06:13

本文关键词： 银行业利润存贷款利差利率管制利率市场化　出处：《上海金融》2012年12期 　论文类型：期刊论文

【摘要】：本文在阐述利率管制条件下中国银行业利润结构的基础上,运用市场供求均衡理论分析存贷款市场的均衡利率,发现存贷利差较大的主要原因在于政府对存款利率的管制。存款管制利率越低,存贷利差越大。利率市场化将导致存款利率提高,存贷利差收窄,银行利润下降。因此,为应对利率市场化改革,银行业必须实行战略转型,转变以规模扩张为核心的外延粗放型增长方式,转向以降低资本消耗、减少资本占用的中间业务为核心的内涵集约型增长方式,以实现银行业利润最大化和社会效益最大化。
[Abstract]:On the basis of explaining the profit structure of China's banking industry under the condition of interest rate control, this paper analyzes the equilibrium interest rate of deposit and loan market by using the equilibrium theory of market supply and demand. The main reason for the large deposit and loan interest margin lies in the government's control of deposit interest rate. The lower the deposit control interest rate, the bigger the deposit and loan interest margin. The marketization of interest rate will lead to the increase of deposit interest rate and narrow deposit and loan interest margin. Therefore, in order to deal with the reform of interest rate marketization, the banking industry must carry out the strategic transformation, change the extension extensive growth mode with the expansion of scale as the core, and turn to reduce the capital consumption. In order to maximize the profit and social benefit of the banking industry, the intension intensive growth mode of reducing the capital occupation of the intermediate business is the core.
【作者单位】：中国人民大学经济学院;
【分类号】：F822.0;F832.3
【正文快照】： 随着利率市场化的进一步推进,银行的存款利率会提高,贷款利率会下降,存贷款利差将会收窄,在一定时期内,银行的利润会有所下降。另外,随着中国金融业全面对外开放,金融市场在更大程度上融入全球金融体系,中国银行业在传统业务方面也面临巨大挑战,存贷款利差管制将被打破。根据

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