利率市场化:银行业是否准备好了

发布时间：2019-01-02 17:16

【摘要】：正利率市场化作为金融领域的一项根本性变革,是对中国银行业既有的盈利模式、经营结构、管理水平、创新发展能力的全方位考验2012年6月以来,央行通过两次调整存贷款利率来收窄利差,并扩大了存贷款利率的浮动幅度,存款利率可以上浮1.1倍,贷款利率可以下浮0.7倍。这不仅是刺激经济的措施,更是利率市场化的重要举措。当人们都在期待利率市场化的时候,我们必须要清醒地认识利率市场化将会给中国银行业带来什么样的挑战和影响,银行业是否都做好了准备。
[Abstract]:As a fundamental change in the financial field, the marketization of the positive interest rate is a comprehensive test of the existing profit model, management structure, management level and innovative development ability of the Chinese banking industry since June 2012. By adjusting deposit and loan rates twice to narrow the spread, the central bank widened the range of deposit and loan rates, with deposit rates rising 1.1 times and lending rates 0.7 times lower. This is not only the measures to stimulate the economy, but also an important measure of interest rate marketization. When people are looking forward to the interest rate marketization, we must soberly understand what kind of challenge and influence the interest rate marketization will bring to China's banking industry, and whether the banking industry is ready.
【作者单位】：中国工商银行;
【分类号】：F822.0;F832.3

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