当前银行资产质量普遍承压,整体盈利能力难言乐观伴随着我国经济高速发展,由此带来的高通胀要求民众选择更高收益的理财产品来抵消货币的贬值,利率市场化,已经成为经济发展的大势所趋。商业银行传统的、主要依靠存贷利差的盈利模式也面临着严峻的挑战,利率市场化发展将是银行业共同面临的冲击。 With the general pressure on the quality of bank assets nowadays, the overall profitability is not optimistic. Along with the rapid economic development in our country, the resulting high inflation requires that people choose higher-yielding wealth management products to offset currency devaluation. Interest rate liberalization has become an economic The trend of development. The traditional profit model of commercial banks, which mainly rely on the spread between deposits and loans, is also facing severe challenges. The marketization of interest rates will be the common impact of the banking industry.