摘要
负利率在我国出现次数越来越多且延续时间呈加长的趋势,实际负利率正在成为一种经济新常态。文章以我国A商业银行为研究对象,从负利率影响A商业银行盈利能力的机理和负利率对A商业银行盈利能力影响两方面进行分析,显示负利率从时间长度上以及业务结构上对A商业银行的盈利能力造成了较为复杂的影响。短期内负利率未给A商业银行的盈利能力造成明显的负面效应,但A商业银行的存贷利差正在被负利率蚕食,A商业银行未来可能面对更大的利率风险。
Negative interest rate appears more and more in our country and its duration is lengthening.The real negative interest rate is becoming a new normal of economy.This paper takes A commercial bank of China as the research object,analyzes the mechanism of negative interest rate affecting the profitability of A commercial bank and the impact of negative interest rate on the profitability of A commercial bank,and shows that negative interest rate has a more complex impact on the profitability of A commercial bank in terms of time length and business structure.In the short term,negative interest rate has not caused obvious negative effect on A commercial bank’s profitability,but the deposit and loan spreads of A commercial bank are being eroded by negative interest rate,and A commercial bank may face greater interest rate risk in the future.
作者
谭靖川
余莉娜
Tan Jingchuan;Yu Lina(Changsha Normal Univensity,Changsha,Hunan,410100)
出处
《市场周刊》
2020年第8期128-129,共2页
Market Weekly
关键词
负利率
盈利能力
商业银行
negative interest rate
profitability
commercial banks
