摘要
我国在"十二五"规划中提出了稳步推进利率市场化的目标。利率市场化的实现,将会加剧我国银行业的竞争,引起银行业的分化。对于中小商业银行而言,利率市场化在风险管理、盈利能力及产品定价等方面带来的竞争压力远大于大型银行。因此,中小商业银行要想在未来激烈的市场竞争中求得生存和发展必须及早做好准备,迎接利率市场化的到来。
The target of marketlising interest rate steadily is put forward in China's 12th five-year plan.To achieve this target will intensify the competition between banks,and cause the differentiation from various banks.Compared with large banks,small and medium sized banks will suffer severe competition in respect to risk management,profit making,and pricing.Therefore,they need to be prepared in advance for their survival and development in the soon-coming financial market of the marketlised interest rate.
出处
《中国证券期货》
2011年第6X期154-155,共2页
Securities & Futures of China
基金
北京市属高等学校人才强教计划资助项目
关键词
利率市场化
中小商业银行
市场竞争
marketlisation of the interest rate
small and medium sized commercial banks
market competition
