大型银行与股份制银行存贷利差比较研究  

The Comparing and Analysis of the Loan-to-Deposit Spreads of Large Banks and Joint-Stock Banks

作　　者：何自云[1] 

机构地区：[1]对外经济贸易大学金融学院

出　　处：《金融论坛》2010年第9期38-43,共6页Finance Forum

基　　金：对外经济贸易大学"211工程"三期重点学科建设项目阶段成果(项目号:73100032)

摘　　要：本文利用6家上市银行2005～2009年的日均数据，经比较分析表明4家大型银行的存贷利差持续、显著高于2家股份制银行。这一差异的原因不在于各银行之间相差不大的存款平均利率，而在于贷款平均利率。股份制银行贷款平均利率较低，源于低利率票据贴现的比重较高和公司贷款的利率较低，这两者意味着股份制银行可能在竞争中采取了比较激进的策略来争取客户。利差收窄背景下各银行纷纷采取的“以量补价”策略，既不能真正解决问题，也不具有可持续性。为此，商业银行应大量发放中小企业贷款，但这可能需要提高对不良贷款的容忍度。Based on the six listed banks＇ daily average data from 2005 to 2009, the comparison of the paper indicates that the four large banks＇ loan-to-deposit spreads are continuously and significantly higher than two joint-stock banks＇. The reason is not the various bank＇s average deposit interest rate, which is not much different between banks, but the average loan interest rate. The joint-stock bank＇ s loan average interest rate is lower due to the higher proportion of low-interest-rate discount notes and the lower interest rate of corporate loan, which means that the joint-stock banks may take a more radical strategy to compete for customers. In the situation of spread narrowing, banks adopt the ＂quantity compensating price＂ policy, which can neither really solve the problem nor continue. Therefore, commercial banks should grant a large number of loans to SMEs, which may require increasing the tolerance of non-oerforming loans.

关 键 词：商业银行 存贷利差 大型银行 股份制银行 以量补价 

分 类 号：F832.2[经济管理—金融学] F224