利率市场化对中国上市中小商业银行盈利能力影响的研究.PDFVIP

Science Innovation 2016; 4(4): 211-215 /j/si doi: 10.11648/j.si17 ISSN: 2328-7861 (Print); ISSN: 2328-787X (Online) Research on the Impact of Interest Rate Liberalization on the Profitability of China’s Listed Small and Medium Sized Commercial Banks Ren Ya School of Economics, Shanghai University, Shanghai, China Email address: 123134277@ To cite this article: Ren Ya. Research on the Impact of Interest Rate Liberalization on the Profitability of China’s Listed Small and Medium Sized Commercial Banks.Science Innovation.Vol. 4, No. 4, 2016, pp. 211-215. doi: 10.11648/j.si17 Received: August 19, 2016; Accepted: October 12, 2016; Published: October 13, 2016 Abstract: In 1996, The Peoples Bank of China (PBOC) established a national treasury bonds market and inter-bank lending market, marking that the official start of China’s interest rateliberalization. After 20 years of orderly developing, reform has entered the key stage. In October 23, 2015, the PBOC announced that it would no longer set the floating ceiling of deposit rate to commercial banks and rural cooperative financial institutions. Release the control of interest rate means that the entire banking industry will fall into a more intense competition, and the traditional mode of operation will suffer from more threats and challenges. Especially in Chinas small and mediumsized commercial banks, compared to the large state-owned banks, the capital accumulation is relatively weak, more limited business development, limited customer resources, lack of brand effect, so