利率市场化对广西中小银行经营行为的影响及对策  

Countermeasures and Influence of Interest Rate Marketization on Medium-sized and Small Bank's Operation Behavior in Guangxi

作　　者：程柳松[1] 蒋华军[1] 杨胄[1] 

机构地区：[1]中国人民银行百色市中心支行,广西百色533000

出　　处：《区域金融研究》2015年第2期8-11,共4页Journal of Regional Financial Research

摘　　要：本文选择广西12家地方法人金融机构财务数据,建立面板模型分析利率市场化对广西中小银行经营行为的影响,估计结果显示,广西实际存款利率与金融机构资本充足率有正向显著性影响;广西存贷利差对金融资产负债率有正向显著性影响,对存贷比有负向显著性影响。最后本文对从金融机构和监管机构两个方面对利率市场化提出政策建议。Financial data of 12 local corporate financial institutions in Guangxi are selected in the paper,panelmodel is selected for analyzing influence of interest rate marketization on medium-sized and small bank＇s operation be-havior in Guangxi. Estimation results show that actual deposit interest rate and financial institution capital adequacy ra-tio in Guangxi have positive significant effect;Guangxi saving and loan spreads have significant positive impact on fi-nancial assets and liabilities rate,and significant negative impact on loan-deposit ratio. Finally,suggestions and rec-ommendations are proposed on interest rate marketization from two aspects of financial institution and supervisionmechanisms.

关 键 词：利率市场化 中小银行 经营行为 对策 

分 类 号：F831.1[经济管理—金融学]