利率市场化改革的效应分析——基于50家城商行的考察  

Effect Analysis of Interest Rate Liberalization Reform on City Comercial Banks

作　　者：陈一洪 

机构地区：[1]泉州银行董事会办公室

出　　处：《银行家》2016年第6期60-63,共4页The Chinese Banker

摘　　要：随着不断深入推进的利率市场化,给城商行的传统资产负债业务带来明显的冲击,利差收窄、盈利下行、资产质量承压,城商行转型的必要性、紧迫性更大。那么,近年来持续推进的利率市场化改革给城商行的经营绩效带来怎样的影响?本文将给出答案。With the deepening of market-oriented interest rate,significant impact has been brought to the traditional business assets and liabilities of city commercial banks.With spreads narrowed, downside earningsand asset quality under pressure, the transformation of city commercial banks is imminent.In recent years,what kind of impac has been brought tobusiness performance of city commercial banks with the interest rate market-oriented reform?This article will give an answer.

关 键 词：利率市场化改革 地方经济社会发展 商业银行体系 应分 资产负债业务 金融市场 金融贡献 资产质量 

分 类 号：F832.5[经济管理—金融学]