利率市场化背景下提高农村商业银行经济效益的措施研究  

Study on the measures to improve the economic benefits of rural commercial banks under the background of interest rate liberalization

作　　者：梁文凤 Liang Wenfeng(Gansu Huating Rural Commercial Bank,Huating,Gansu,744100)

机构地区：[1]甘肃华亭农村商业银行股份有限公司,甘肃华亭744100

出　　处：《市场周刊》2025年第3期68-71,共4页Market Weekly

摘　　要：随着现代农村商业银行的全面发展,为加强管理方式,推动管理模式创新,就要做好利率市场化在农村商业银行中的应用,以此提升银行经济效益。通过系统梳理国内外相关理论与实践经验,探讨在利率自主定价机制逐步完善、市场竞争日趋激烈的环境下,农村商业银行如何通过优化资产负债结构、加强风险防控、创新金融产品和服务模式、提升金融科技应用水平等手段,来增强自身竞争力,拓宽盈利渠道,实现经济效益与社会效益的双重提升。With the comprehensive development of modern rural commercial banks,in order to strengthen the management mode and promote the innovation of management mode,it is necessary to do a good job in the application of interest rate marketization in rural commercial banks,so as to improve the economic benefits of banks.Through system combing related theory and practice experience at home and abroad,discusses the interest rate independent pricing mechanism gradually improve,the increasingly fierce market competition environment,rural commercial Banks how to optimize the structure of assets and liabilities,strengthen risk prevention and control,innovative financial products and service mode,enhance the level of financial technology application,to enhance their competitiveness,broaden the profit channels,realize the economic benefit and social benefit.

关 键 词：利率市场化 农村商业银行 经济效益 

分 类 号：F832.3[经济管理—金融学]