商业银行净利差决定因素研究的进展与评述

自20世纪70年代末金融自由化尤其是利率市场化以来,利率在金融市场中的资源配置作用日益明显,净利差也已成为衡量金融中介机构经营效率的重要指标,关于净利差决定因素也成为理论界研究的焦点。基于此,本文对学界关于净利差的测算、决定因素的理论模型以及在不同区域内的实证研究进行了系统整理。在中国利率市场化改革不断深化的背景下,通过对商业银行净利差各种决定因素的梳理有利于提升商业银行经营管理水平,提高监管效率,也有助于对我国渐进式利率市场化改革的效果进行评价。

The Resent Progress and Commentary on the Determinant of Commercial Bank Net Interest Margins

The role of the interest rate has become increasingly important in the progress of the financial liberalization,especially in the interest rate marketization since the late 1970s,and net interest margin has become an important indicator of operating efficiency of financial intermediaries,so it’s become the focus of theoretical study on the determinants of net interest margin.This paper introduces an overview of the calculation,the theoretical model and the empirical research in different regions on the net interest margin.Under the background of the reform on deregulating interest rates in China,the overview of the determinant of commercial bank can promote the management ability of the commercial bank and the regulation efficiency,which is also good at the valuation of effect on the interest rate marketization.