| 中美商业银行贷款利率市场化程度的比较分析 |
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| 引用本文： | 赵子铱,杨晓鹏. 中美商业银行贷款利率市场化程度的比较分析[J]. 南方金融, 2011, 0(1) |
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| 作者姓名： | 赵子铱 杨晓鹏 |
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| 作者单位： | 贵州财经学院金融学院,贵州,贵阳,550004 |
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| 基金项目： | 贵州省软科学项目，2009年度贵州财经学院在校大学生科研项目 |
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| 摘 要： | 在经济对外开放程度不断深化的今天,中国的银行系统却还未完全走向市场化,尤其是目前各商业银行贷款定价能力较弱,多数按照央行规定的基准利率定价,导致商业银行等机构不能与国外同行在同等水平上竞争.针对这种现实,本文通过分析比较中美商业银行贷款利率的现状,旨在强调国内商业银行还有很大潜力与动力来加快贷款利率走向完全市场化的步伐.
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| 关 键 词： | 商业银行 国际金融 利率市场化 贷款利率 |
Comparative Study on Marketization Degree of Loan Interest between US and Chinese Commercial Banks |
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| Zhao Ziyi,Yang Xiaopeng. Comparative Study on Marketization Degree of Loan Interest between US and Chinese Commercial Banks[J]. South China Finance, 2011, 0(1) |
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| Authors: | Zhao Ziyi Yang Xiaopeng |
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| Affiliation: | Zhao Ziyi and Yang Xiaopeng(School of Finance,Guizhou College of Finance and Economics,Guiyang,550004 China) |
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| Abstract: | With the increasing degree of openness of china's economy,China's banking system has not reached full marketization.In particular,pricing ability of banks on loans is weak which undermines the capacity to compete with the counterparts in the global market.Therefore,this paper aims at pointing out the great potential for the domestic commercial banks in terms of liberalizing loan interest after analyzing the status quo of loan interest for the domestic and overseas commercial banks. |
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| Keywords: | Commercial Banks International Finance Interest Marketization Loan Interest |
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