利率市场化对金融机构盈利能力影响研究  

The Research on the Impact of the Interest Rate Liberalization on the Profitability of Financial Institutions

作　　者：康峰[1] 徐华[1] 王兆华[1] KANG Feng;XU Hua;WANG Zhaohua(Xianyang Municipal Sub-branch PBC, Xianyang, Shaanxi 712000)

机构地区：[1]中国人民银行咸阳市中心支行,陕西咸阳712000

出　　处：《西部金融》2018年第1期14-18,共5页West China Finance

摘　　要：为应对国内外金融市场的变化、加速推动盈利结构调整,构筑多元化的盈利模式是我国金融机构当前及未来一定时期内经营转型的战略重心之一。本文主要通过梳理我国存款利率上限放开以来,利率市场化对金融机构盈利能力影响的路径,分析其对金融机构经营策略和利润的影响及其影响因素和存在问题,借鉴发达国家利率市场化进程中金融机构经营中的经验和教训,提出促进我国金融机构经营健康发展的政策建议。In order to respond to changes in the financial markets at home and abroad and accelerate the adjustment of the profit structure,constructing a diversified profit pattern is one of the strategic focuses of the business transformation of China’s financial organizations at current and future period of time.By summarizing the path of the impact of the interest rate liberalization on the profitability of financial institutions since the removal of the ceiling of the deposit interest rate,the paper analyzes its impact on the business strategy and profitability of financial institutions and affecting factors as well as existing problems,and draws lessons and experience from business of financial institutions of developed countries in the process of interest rate liberalization,and puts forward policy suggestions to promote the healthy development of the operation of financial institutions in China.

关 键 词：利率市场化 金融机构 

分 类 号：F832.2[经济管理—金融学]