【摘要】：正利率市場(chǎng)化作為金融領(lǐng)域的一項(xiàng)根本性變革,是對(duì)中國銀行業(yè)既有的盈利模式、經(jīng)營結(jié)構(gòu)、管理水平、創(chuàng)新發(fā)展能力的全方位考驗(yàn)2012年6月以來,央行通過兩次調(diào)整存貸款利率來收窄利差,并擴(kuò)大了存貸款利率的浮動(dòng)幅度,存款利率可以上浮1.1倍,貸款利率可以下浮0.7倍。這不僅是刺激經(jīng)濟(jì)的措施,更是利率市場(chǎng)化的重要舉措。當(dāng)人們都在期待利率市場(chǎng)化的時(shí)候,我們必須要清醒地認(rèn)識(shí)利率市場(chǎng)化將會(huì)給中國銀行業(yè)帶來什么樣的挑戰(zhàn)和影響,銀行業(yè)是否都做好了準(zhǔn)備。
[Abstract]:As a fundamental change in the financial field, the marketization of the positive interest rate is a comprehensive test of the existing profit model, management structure, management level and innovative development ability of the Chinese banking industry since June 2012. By adjusting deposit and loan rates twice to narrow the spread, the central bank widened the range of deposit and loan rates, with deposit rates rising 1.1 times and lending rates 0.7 times lower. This is not only the measures to stimulate the economy, but also an important measure of interest rate marketization. When people are looking forward to the interest rate marketization, we must soberly understand what kind of challenge and influence the interest rate marketization will bring to China's banking industry, and whether the banking industry is ready.
【作者單位】： 中國工商銀行;
【分類號(hào)】：F822.0;F832.3

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