中国大陆与港台商业银行利差比较研究  

Comparative Study of Banking Spreads among China Mainland, Hong Kong and Taiwan

作　　者：李伊珍[1] 

机构地区：[1]深圳市房地产评估发展中心,广东深圳518000

出　　处：《南方金融》2013年第6期54-56,共3页South China Finance

摘　　要：商业银行利差收入一直是我国商业银行最主要的收入来源。利率市场化改革的推进,会对商业银行业务结构、社会融资成本等方面产生较大冲击。本文对大陆和香港、台湾地区商业银行的利差水平及其影响因素进行比较分析,认为大陆地区商业银行利差水平远高于香港、台湾地区,而利率水平、风险因素是影响利差水平的主要因素。基于实证结论,本文提出降低大陆商业银行利差水平的建议,包括完善商业银行管理体制、拓宽商业银行盈利渠道、增强金融市场活力。The income of spread is the main income source of China＇s commercial banks.The reform of interest rates Marketization will have a greater impact on business structure of commercial banking and society financing costs.This paper analyzes the spread and its influencing factorsin China mainland,Hong Kong and Taiwan.It show that the spread in China mainland is higher than it in Hong Kong and Taiwan,the interest rate level and the risk are the main factors of spread.Based on the empirical results,the author proposes some suggestions to decrease the spread of China＇s commercial banks including improving the management system of commercial banks,expanding channels for commercial banks＇ earnings and enhancing financial market activity.

关 键 词：商业银行 利差水平 利率市场化 

分 类 号：F832.2[经济管理—金融学]