央行放开贷款利率管制对商业银行盈利能力的影响研究——以商业银行议价能力为路径  

The Impact of Deregulation of Loan Interest Rates on Commercial Bank Profitability

作　　者：邢光远 冯宗宪[1] 冷奥琳 

机构地区：[1]西安交通大学经济与金融学院,陕西西安710061 [2]西安交通大学管理学院,陕西西安710049

出　　处：《西安交通大学学报（社会科学版）》2014年第6期51-57,共7页Journal of Xi'an Jiaotong University：Social Sciences

基　　金：国家社科基金重大项目(1282D070);国家自然科学基金面上项目(710732124)

摘　　要：基于82家商业银行的历史数据分析,厘清了央行利率政策、商业银行议价空间以及银行利差对商业银行盈利能力的影响机理,测算了央行贷款利率放开对中国银行业以及实体经济带来的影响效应。研究发现:贷款利率放开增大了商业银行议价空间,将会直接导致银行业利差定价的缩小,使利用传统利息业务的盈利模式受到冲击,激发银行提供多层次的信贷服务;贷款利率下限放开增大了优质企业客户在银行贷款时的议价空间并从中受益,有利于实体经济中优胜劣汰格局的形成。From the analysis of the historical data of 82 Chinese commercial banks from 2000 to 2012, we have clarified the influencing mechanism of the central bank interest rate policy, commercial bank bargaining space and bank interest margin on commercial bank profitability. The research suggests that the deregulation of lending interest rates that extends the commercial bank bargaining space will directly narrow the banking spreads pricing, causing an impact on the profit model of the conventional interest business and stimulating the multi - layer credit service provided by the bank. Deregula- tion of the lower limit of the lending rates increases the bargaining space for the high - quality corporate clients in the bank loan, thus benefiting them. This is conducive to the forming of the pattern of survival of the fittest in the real economy.

关 键 词：利率管制 商业银行盈利能力 银行利差 议价空间 

分 类 号：F820.1[经济管理—财政学]