| 银行存贷款利差分析 |
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| 引用本文： | 邓超,代军勋.银行存贷款利差分析[J].金融研究,2008(3). |
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| 作者姓名： | 邓超 代军勋 |
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| 作者单位： | 武汉大学经济与管理学院;武汉大学经济与管理学院 湖北武汉;湖北武汉; |
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| 摘 要： | 在将利差分为事前利差和事后利差的基础上,本文全面分析了利差的决定因素,包括银行自身的因素、存贷款客户的因素和金融市场环境的因素等,并对中国银行业与世界不同国家和地区银行业的存贷款利差进行了比较。在中国,金融机构的最小利差为央行直接决定的最高存款利率和最低贷款利率所锁定,利差的决定外生于金融机构,也不反映金融机构的竞争力。为了发挥存贷款利差对我国商业银行经营行为的调节作用,我们应该推进利率市场化,促进银行竞争。同时,我们也应该认识到货币政策的重点是决定市场的资金成本而不是利差。
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| 关 键 词： | 利差 银行 决定因素 |
The Analysis on Interest Spread of Commercial Banks |
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| Deng Chao Dai Junxun.The Analysis on Interest Spread of Commercial Banks[J].Journal of Financial Research,2008(3). |
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| Authors: | Deng Chao Dai Junxun |
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| Abstract: | Based on the difference between pre-spread and post-spread,the paper comprehensively analyzes the determining factors of interest spreads,and makes an international comparison about the issue.Then the paper indicates that in China interest spread is not decided by financial institutions,so it cannot reflect their competi- tive ability.Therefore,the authors suggest that in China the leverage role of interest rate should be strengthened by promoting market-based interest rate reform,and the key point of monet... |
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| Keywords: | interest spreads bank determining factors |
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