商业银行利差研究

本文初探了商业银行利差概念,并对我国商业银行的利差状况进行国际比较。针对银行利差的影响因素进行了深入的分析,并建立简单的存贷利差定价模型。本文还就未来利差的变化趋势作出分析并对商业银行提出应对策略。

Research of commercial bank interest difference

In this paper, the concept of the commerc ial banks has been investigated, the rate of China’s commercial banks has been compared with other foreign bankers international ,we investigate the factors that impact the rate and build a simple pricing model of loan spreads, we also analysis the trend of the rate on the future and share with the bankers how to deal with it .