摘要
我国银行业与实体部门盈利水平的背离现象,已经引起了社会各界的热议与广泛关注。本文在存贷利差是银行主要利润来源的假设框架内,通过构建理论模型,并结合实证分析,论证了作为分割银行业与实体经济收益界限的贷款利率具有合理性,而作为分割银行业与储户收益界限的存款利率具有非合理性,即通货膨胀条件下,贷款利率随投资收益率的提高而及时调整,而存款利率对通货膨胀的反应具有粘性,结果使银行的存贷利差加宽,是银行高利润的形成渊源。由此证明了银行高利润并非源于侵害实体经济利益、而是源于侵害居民储户利益的结论。
The deviation of the profitability of China＇s banking sector from that of the real sector has aroused heated concerns and widespread attention from all walks of life. Under the assumption that bank deposit and lending spreads are the main source of banks＇ profits,by building a theoretical model and combining with empirical analysis,this paper demonstrates the rationality of loan interest rates as the dividing line between banking and real economy and the irrationality of the deposit interest rate between bank and depositor. That is,under the condition of inflation,the interest rate of the loan is adjusted in time with the increase of the investment return rate,and the deposit interest rate has a sticky response to the inflation. As a result, It is the formation of the bank＇s high profit. This proves that the high profits of banks do not originate from infringement on the real economic interests,but come from the conclusion that they infringe upon the interests of depositors.
出处
《河北经贸大学学报》
CSSCI
北大核心
2018年第2期26-33,共8页
Journal of Hebei University of Economics and Business
基金
国家社会科学基金项目"中低收入群体对通货膨胀承受能力的研究"(12BJY037)
教育部人文社会科学一般项目"中国通货膨胀成因量化分析与全面压力测试--基于宏观审慎视角"(12YJA790145)
关键词
实体经济
银行利润
规模以上工业企业
存贷款利率
投资收益率
通货膨胀率
Real Economy
Bank Profits
Above-scale Industrial Enterprises
Deposit/Loan Interest Rate
Return on Investment
Inflation Rate
