摘要
2015年存款利率上限的取消,标志着始于1996年以放松利率行政管制为主要内容的利率市场化改革的基本完成。利率市场化改革对商业银行效率从多方面产生了深远的影响。通过对现有文献的全面回顾与梳理,总结利率市场化对商业银行效率的影响、影响机制以及商业银行提高效率的应对策略,结果发现:利率市场化从缩窄存贷利差、加剧竞争、增加风险三个方面对商业银行效率产生了影响;在利率市场化背景下,建立多元化经营模式,提升风险管理能力,实现差异化发展,是商业银行提高效率、实现可持续发展的必由之路。
The cancellation of the deposit interest rate ceiling in 2015 marked the basic completion of the interest rate market reform, which began in 1996 to decrease the administrative regulation of the interest rate. The interest rate market reform exerts a profound influence on the efficiency of commercial banks in many aspects. By reviewing and sorting out the existing literature, this paper summarizes the influence of the rate liberalization on the efficiency of commercial banks, the influencing mechanism and the their countermeasures. The study shows that the rate liberalization exerts the influence on the efficiency of commercial banks with the results of nan＇owing the deposit and loan interest margin, intensifying competition and increasing risk. Therefore, against the background of the rate liberalization, it is the inevitable way for commercial banks to improve efficiency and realize sustainable development to establish a diversified management model, enhance the ability- of risk management and realize the differential development.
作者
曾小春
钟世和
ZENG Xiaochun;ZHONG Shihe(The Economics and Finance School,Xi＇an Jiaotong University,Xi＇an,Shaanxi,710061;Operations Office of Xi＇an Branch PBC,Xi＇an,Shaanxi,710002)
出处
《管理学刊》
CSSCI
2018年第4期27-35,共9页
Journal of Management
关键词
利率市场化
商业银行效率
商业银行风险
Rate Liberalization
Commercial Bank Efficiency
Commercial Bank Risk
