中国利率市场化中小银行发展影响的探析.docVIP

中国利率市场化对中小银行发展影响的探析 摘要: 利率管制政策限制了我国中小银行的发展，中小银行资金少、客户基础薄、吸储能力不强等弱势让其一直落后于大型银行的发展。而利率市场化能有效解决市场资源配置、提高金融市场运作效率、形成良性竞争机制。但是，利率市场化也给中小银行带来各种风险问题。本文通过分析利率市场化给中小银行带来营业利润、信贷资产质量、资金价格管理、利率风险等方面的难题，提出中小商业银行应该着手提高业务创新水平产品开发能力强化风险管理的机制Interest rate control policy restricts the development of small and medium banks, small banks less money, the customer base is thin, weak and strong deposit-taking capability is not allowed to have been behind the development of large banks. The interest rate market can effectively solve the market allocation of resources, improve the operational efficiency of the financia