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2012年人民银行对存贷款基准利率在短期内进行了两次不对称调整,通过2012年各银行财务数据我们可以看到银行业存贷款业务的净利差逐步收窄,利润收入受到冲击。同时我国银行传统的存贷款业务收入比重偏高,使得利率市场化所带来利差收窄的影响更加严重。本文对缓解利率市场化对我国银行带来的的利润冲击,降低各类风险提出建议。
In 2012, the People’s Bank of China made two asymmetric adjustments to the benchmark deposit and lending rates in a short period of time. According to the financial data of banks in 2012, we can see that the net interest margin of the banking deposit and loan business has been gradually narrowed and the profit income impacted. At the same time, the traditional deposit and loan business in China’s banking industry has a high proportion of revenue, which has further aggravated the interest rate narrowing brought by the market-oriented interest rate liberalization. This article puts forward suggestions on how to ease the profit impact brought by the marketization of interest rate on our country’s banks and reduce all kinds of risks.