一、利率市场化对银行业的机遇和挑战利率市场化对国内银行业的机遇和挑战可主要归纳为以下三个方面:第一,利率市场化将导致净息差(NIM)收窄,使得银行经营结果的不确定性加大,从而促使商业银行加快经营转型,培育新的核心竞争力和价值创造增长点。近几年,国内银行业的利润增长较为稳定。但依托信贷业务的利 I. Market Opportunity and Challenges of Interest Rate Marketization in Banking Industry The opportunities and challenges of marketization of interest rate in domestic banking industry can be summarized into the following three aspects: First, marketization of interest rates will lead to the narrowing of net interest margin (NIM) Uncertainties in the bank’s operating results have increased, prompting commercial banks to speed up their business transformation, foster new core competitiveness and create value growth points. In recent years, the profit growth of the domestic banking industry has been relatively stable. But relying on credit business profits