关于当前商业银行盈利模式的调查——以衢州市为例  

A Survey of Current Profit Models of Commercial Banks--Take Quzhou as an Example

作　　者：何起东[1] 邓姗姗 舒凯 张创 

机构地区：[1]中国人民银行衢州市分行,浙江衢州324000

出　　处：《浙江金融》2024年第1期13-18,共6页Zhejiang Finance

摘　　要：近年来在各项政策的推动下,贷款利率持续下行,利差1逐步收窄,信贷市场呈现“以价换量”的竞争格局,商业银行以利差为主要利润来源的盈利模式面临较大的挑战。本文通过分析近年来存贷利差的演变和均衡利差的界定得到,当前信贷市场竞争已较为充分,商业银行总体利差接近合理水平。未来在支持实体经济发展的同时,推动融资成本稳中有降的路径应重点从降低商业银行负债端利率和强化成本控制两方面出发。In recent years,under the promotion of various policies,the loan interest rate continues to decline,the interest rate spread gradually narrows,and the credit market presents a“exchange price for quantity”competition pattern,the profit model of commercial banks,which takes interest margin as the main profit source,is facing great challenges.By analyzing the evolution of deposit-loan spread and the definition of equilibrium spread in recent years,this paper finds that the current credit market competition is more adequate,the overall interest rate spread of commercial banks is close to a reasonable level,and the loan interest rate should not be further reduced unilaterally.In the future,while supporting the development of real economy,we should focus on reducing the interest rate on the debt side and strengthening the cost control.

关 键 词：盈利模式 利差 均衡利差 

分 类 号：F832.33[经济管理—金融学]