自中国人民银行发布《企业短期融资券管理办法》后,上市公司掀起了一股发行短期融资券的热潮。而短期融资券借产品创新“登台亮相”成为企业融资方式的新宠之后,它一方面加速了利率市场化的进程,同时,另一方面,商业银行的传统的靠存贷利差的盈利模式也将面临重大的挑战。 Since the People’s Bank of China released the “Administrative Measures on Short-term Financing Bonds,” listed companies set off an upsurge of issuing short-term financing bills. Short-term financing bills by product innovation, “Debut debut” has become the new darling of corporate financing, which on the one hand accelerated the process of interest rate market-oriented, at the same time, on the other hand, commercial banks rely on the deposit and loan interest margin profit model Will face major challenges.