新LPR形成机制改革对商业银行的影响.docxVIP

PAGE PAGE 11 新LPR形成机制改革对商业银行的影响 内容摘要 由于我国实体经济融资成本一直居高不下，这样长久一来，民营企业将面临融资难的困扰，严重影响了民营企业的生存与发展，为了避免中国经济跌落的局面， 2019年8月17日，中央银行正式宣布决定改革完善贷款市场报价利率形成机制（以下简称LPR），此次LPR形成机制改革完善，标志着我国利率市场化进入一个新阶段，同时也对商业银行的经营和管理提出新要求和挑战。本文对商业银行在利率市场化改革进程中将面临的问题：银行业息差不断下降并趋于收缩、银行业的负债压力加大、银行业间的竞争加剧、银行业战略重心发生转变四个方面的影响作重点研究，新LPR形成机制改革后，给商业银行在经营模式中带来的影响和挑战。同时结合实际提出商业银行应该实行分层管理机制、降低负债成本、加强定价能力建设、逐步放开存贷款利率的隐性约束四个方面的积极应对策略选择， 从而进一步推进和完善利率市场改革进程。 关键词：新LPR形成机制改革；商业银行；定价能力Abstract As the financing cost of Chinas real economy has been high, so that for a long time, private enterprises will face difficulties in financing, which seriously affects the survival of private enterprises in development, in order to avoid the situation of Chinas economic fall, on 17 August 2019, the Central Bank officially announced its decision to reform and improve the loan market offer interest rate formation mechanism (hereinafter referred to as LPR), this LPR formation mechanism reform improvement marks a new stage of interest rate marketization in China, and also puts forward new requirements and challenges to the operation and management of commercial banks. This paper focuses on the problems that commercial banks will face in the process of interest rate market reform: declining interest rate spreads in the banking industry and the tendency to contract, increased pressure on liabilities in the banking industry, intensified competition among the banking industry, and a shift in the strategic focus of the banking industry, and the impact and challenges that the new LPR formation mechanism reform will bring to commercial banks in their business models. At the same time, commercial banks should implement a tiered management mechanism, reduce debt costs, strengthen pricing capacity building and gradually liberalize the implicit constraints on deposit and loan rates, so as to further promote and improve the process of interest rate market reform. Key Words: reform of the new LPR formation mechanism commercial bank pricing c