利率市场化背景下商业银行应对策略研究——以中国农业银行安徽省分行为例

自2012年央行两次降息并扩大利率浮动区间之后,7月19日,央行又宣布,自2013年7月20日起全面放开金融机构贷款利率管制,该政策的出台意味着利率市场化改革进入关键阶段。本文在分析利率市场化给商业银行带来冲击的基础上,提出应对之策,并进一步指出要完善相关配套政策,以便在顺利实施利率市场化的同时,促进社会经济健康发展。

Strategies for Commercial Banks under the Background of Interest Rates Marketization--Taking Anhui Branch of Agricultural Bank of China as an Example

Since 2012, the cefitral bank has twice cut the interest rates and expanded the range of floating interest rate. Further, on July 19 in 2013, the central bank announced the comprehensive opening of financial institutions lending rate from July 20. The policy means China＇s interest rate marketization reform has been into a critical stage. Based on the analysis of the impact of interest rate marketization on the commercial Banks, this paper put forward strategies for commercial banks and suggestions for related supporting policies.