国际银行业存贷利差分析  

Analysis of Interest Spreads between Deposit and Loan in International Banking Industry

作　　者：韩丰泽 张珂瑜 Han Fengze;Zhang Keyu

机构地区：[1]中国建设银行博士后科研工作站 [2]中国建设银行研修中心(研究院)

出　　处：《工程经济》2023年第7期35-44,共10页ENGINEERING ECONOMY

摘　　要：利用Bankfocus数据库分析美国、德国、日本以及中国银行业平均存款利率、贷款利率和存贷利差在加息周期和降息周期的变动规律,发现美国银行业平均存贷利差显著高于德国、日本和中国。在存贷利差收窄背景下,为维持经营利润,中国银行业应当从资产负债管理、投行业务、消费金融以及海外布局等多方面发力。Using Bankfocus database,this paper analyzes the changes of average deposit interest rate,loan interest rate and interest spreads between deposit and loan in the interest rate hike cycle and interest rate cut cycle in the US,Germany,Japan and China respectively and finds that interest spreads between deposit and loan in the Us is higher significantly than other countries.In order to maintain operating profits,China's banks should focus on asset liability management,investment banking,consumer finance and overseas layout in the context of narrowing interest spreads between deposit and loan.

关 键 词：银行业 存贷利差 经营利润 

分 类 号：F831.2[经济管理—金融学]