城市商业银行利差管理系统构建与优化探讨

随着利率市场化进程的不断推进，银行面临利差收窄的严峻挑战。相对于国有大银行和股份制银行，城市商业银行受到的冲击更大。由于现在银行的监管环境和经营环境已经发生变化，而净利息收入仍是城市商业银行的主要收入，那么如何对利差进行管理，维持稳定的净利息收入、减缓利差下降速度将是城市商业银行需要关注的重点。

A Discussion on the System Construction and Optimization of City Commercial Banks' Interest Margin Management

With the development of the process of market interest rates, banks face serious challenges of spreads narrowed. Comparing to state-owned banks and joint-stock banks, city commercial banks will encounter greater impacts. While the regulatory environment and business environment of banking has changed, net interest income is still the main source of income of city commercial banks. How to manage the interest rate, maintain a stable net interest income, and slow the speed of decline interest margin? These will be what city commercial banks need to focus on.