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利率市场化是金融界的一场深刻革命,当前我国利率市场化改革步伐加快,未来拓宽民营资本渠道、建立存款保险制度和完善金融机构市场化退出机制等各项改革将逐步推进。应该说,从长远看,利率市场化改革对于金融的稳定健康发展意义非常重大,但是从国际经验看,利率市场化可能对中小银行产生不小冲击。统计显示目前城商行利息差仍处于比较高的水平,利息收入仍然是主要的收入来源。利率市场化到底会给城商行带来哪些方面的影响与压力?城商行应如何提前布局,才能趋利避害、转危为机,在这场中国金融大变革中实现“弯道超车”。
The marketization of interest rates is a profound revolution in the financial sector. At present, the pace of market-oriented interest rate reform in China is accelerating. Various reforms to broaden private capital channels, establish a deposit insurance system and improve the market-based exit mechanism of financial institutions will be gradually promoted. It should be said that in the long run, the marketization of interest rate reform is of great significance for the stable and healthy development of the financial sector. However, judging from the international experience, the marketization of interest rate market may have an impact on the small and medium-sized banks. Statistics show that the current city commercial interest rate spread is still relatively high level, interest income remains the main source of income. In what market impact will the interest rate marketization bring to the city commercial banks? How should the city commercial banks layout ahead of time so as to avoid disadvantages and turn crises into opportunities? In this great transformation of China’s financial market, ".