| 中国银行业存贷利差偏低抑或过高之辨 |
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| 引用本文： | 孙森,张翼,邢尧.中国银行业存贷利差偏低抑或过高之辨[J].现代财经,2012(4):5-10. |
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| 作者姓名： | 孙森 张翼 邢尧 |
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| 作者单位： | 天津财经大学经济学院 |
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| 摘 要： | 人们普遍有这样一个认识,为了补贴相对低效率的银行业,中国政府通过利率管制等手段长期维持着一个较高的存贷利差。但研究表明,中国银行业存贷利差在国际范围内其实处于相对较低的水平。本文讨论了利差偏低的原因及影响,并提出了相应的政策建议。
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| 关 键 词： | 存贷利差 商业银行 不良贷款 资本充足率 |
Discussion on Deposit and Loan Interest Spreads of Banking in China: Wide or Narrow? |
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| Institution: | SUN Sen,ZHANG Yi,XIN Yao(School of Economics,Tianjin University of Finance and Economics,Tianjin 300222,China) |
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| Abstract: | It is universally acknowledged that in order to help banking of comparatively low efficiency,Chinese government has maintained a higher deposit and loan interest spreads for a long time through interest rate control.However,the research turns out that in an international context,deposit and loan interest spreads of Chinese banking is in a comparatively low level.In this paper,we discuss the reason and effects of low interest spreads,and also propose the corresponding policy and suggestion. |
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| Keywords: | deposit and loan interest spreads commercial bank non-performing loans capital adequacy ratio |
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