浅析利率市场化进程深化背景下我国商业银行的健康发展

在利率市场化改革不断深入推进的背景下,政策性红利逐渐消退,商业银行利率受市场性因素的影响越来越大,银行如果继续以资产外延性为特征的低效率的扩张将不能适应新的形势,以金融创新及市场研究为特点的内涵型的业务发展将决定未来银行的盈利空间。所以,正确把握利率市场化的内涵和发展现状,综合分析利率市场化对商业银行的综合影响,在此基础上采取措施减少利率市场化对商业银行带来的不利影响,是非常有必要的。

Analysis of the healthy development of the commercial banks on the process of interest rate marketization reform in China

In the interest rate marketization reform to promote the deepening of the background,policy dividend gradually subsided,com-mercial bank interest rate is affected by market factors is more and more big,if banks continue to asset extension characteristics of low effi-ciency of the expansion will not adapt to the new situation,innovation and Market Research for the connotation of financial characteristics of business development will decide the future profitability of space. Therefore,correctly grasp the meaning and development status of the marketization of interest rates,a comprehensive analysis of the marketization of interest rate effect on commercial banks,on this basis to take measures to reduce the interest rate marketization of the adverse effects brought about by commercial banks ,it is necessary to.