关于中国商业银行“退市”风险问题的研究——基于利率市场化进程加快背景下商业银行对策的分析  

About China's Commercial Banks "Delisted" Risk Problem——Based on the Analysis of Commercial Bank Policies under the Situation of Fast Development of Interest Rate Marketization

作　　者：陆岷峰[1] 

机构地区：[1]北京大学经济学院,北京100741

出　　处：《华侨大学学报（哲学社会科学版）》2013年第1期53-61,共9页Journal of Huaqiao University(Philosophy & Social Sciences)

基　　金：江苏高校优势学科建设工程资助项目

摘　　要：近期两次不对称降息政策的实施,标志着我国利率市场化进程的推进速度进一步加快,由此必然引起商业银行利润总额和利润结构的急剧变化。从世界各国商业银行发展历史来看,利率市场化推进过程中,特别是在存贷利差缩小的背景下,商业银行的盈利模式必然发生根本性的变化,由于利润水平的大幅度下降可能导致有些商业银行的财务的连续性出现严重危机,最终面临重组甚至"被退市"的危机。这样的经济环境下,应该说我国的商业银行尤其是中小商业银行受利率市场化影响程度最深。因此,我国的商业银行尤其是中小商业银行必须高度重视利率因素带来的生存危机,选准并坚持自身的市场定位,从而在利率市场化过程中得以生存并化危机为发展的机会。The implementation of the policy of asymmetrical rate cuts in the resent two times shows that China＇s interest rate mercerization process moves fastly, which inevitably leads to the great change of the commercial bank total profit and profit structure. From the history of the world commercial banks, there will be a great change in the commercial bank profit model during the process of interest rate mercerization, especially under the background of narrowing the difference of the deposit and loan interest rate. As a great fall of the level of profits can lead to the continual severe crisis of some commer- cial bankb finances, the commercial banks ultimately face the risk of restructuring or even to be delisted. In such economic situation, it should be said, the China＇s commercial banks, especially the small and medium commercial banks, have been influenced by the interest rate mercerization so much. Therefore, these commercial banks must pay more attention to the survival crisis brought by the interest rate factors, choose correctly and stick to the self-market position, and then find the chances of survival and development in the process of the interest rate mercerization.

关 键 词：商业银行 退市风险 利率市场化 

分 类 号：F830.33[经济管理—金融学]