存贷净息差缩小对中小商业银行的影响与对策研究  

A Study on the Impact of Narrowing Net Interest Margin between Deposits and Loans on Small and Medium-sized Commercial Banks and the Countermeasuress

作　　者：陆岷峰 Lu Min-feng(Shanghai Institute of Science and Technology Finance,Shanghai University,Shanghai,200444,China)

机构地区：[1]上海大学上海科技金融研究所,上海200444

出　　处：《福建金融管理干部学院学报》2024年第4期19-28,共10页Journal of Fujian Institute of Financial Administrators

基　　金：国家社会科学基金项目“互联网金融市场跨界风险的协同监管长效机制与政策研究”(21BJY022);国家社会科学基金项目“数字普惠金融促进乡村产业振兴的模式创新与政策研究”(20BJY114)。

摘　　要：近年来,我国金融市场的快速发展和利率市场化的推进,使中小商业银行面临存贷息差逐渐缩小的挑战。本文通过分析近十年我国商业银行存贷息差的运行轨迹、变化特点及其影响因素,探讨了存贷息差缩小对中小商业银行的影响,并提出相应应对策略。研究发现,宏观经济环境变化、政策调控、市场竞争加剧以及监管政策趋严等因素,对存贷息差产生显著影响,从而导致中小商业银行盈利能力下降、风险管理复杂化、业务结构调整、市场竞争加剧以及客户关系管理愈发重要。在应对策略方面,中小商业银行应通过多元化经营、优化风险管理、业务创新、成本控制和客户关系强化等措施,确保在不断变化的金融环境中保持稳健运营和持续增长。In recent years,the rapid development of our country's financial market and the advancement of interest rate marketization make small and medium-sized commercial banks face the challenge of the narrowing interest margin.This paper analyzes the impact of narrowing interest gap between deposits and loans on small and medium-sized commercial banks,discusses their countermeasures,and puts forward the corresponding optimization suggestions.Research shows that macro-economic changes,policy adjustments,fiercer market competition,and stricter regulations significantly impact the deposit-loan interest margin.This leads to reduced profitability,more complex risk management,business structure adjustments,heightened market competition,and greater importance of customer relationship management for small and mediumsized commercial banks.In response,these banks should pursue diversified operations,optimize risk management,innovate in business,control costs,and strengthen customer relationships to maintain stable operations and sustainable growth in the changing financial landscape.

关 键 词：中小商业银行 存贷息差 金融市场 利率市场化 风险管理 

分 类 号：F832.35[经济管理—金融学]