中国银行业存贷利差偏低抑或过高之辨  

Discussion on Deposit and Loan Interest Spreads of Banking in China: Wide or Narrow?

作　　者：孙森[1] 张翼[1] 邢尧[1] 

机构地区：[1]天津财经大学经济学院,天津300222

出　　处：《现代财经（天津财经大学学报）》2012年第4期5-10,共6页Modern Finance and Economics：Journal of Tianjin University of Finance and Economics

摘　　要：人们普遍有这样一个认识,为了补贴相对低效率的银行业,中国政府通过利率管制等手段长期维持着一个较高的存贷利差。但研究表明,中国银行业存贷利差在国际范围内其实处于相对较低的水平。本文讨论了利差偏低的原因及影响,并提出了相应的政策建议。It is universally acknowledged that in order to help banking of comparatively low efficiency,Chinese government has maintained a higher deposit and loan interest spreads for a long time through interest rate control.However,the research turns out that in an international context,deposit and loan interest spreads of Chinese banking is in a comparatively low level.In this paper,we discuss the reason and effects of low interest spreads,and also propose the corresponding policy and suggestion.

关 键 词：存贷利差 商业银行 不良贷款 资本充足率 

分 类 号：F830.4[经济管理—金融学]