利率市场化对于中国银行业的影响

Interest Rate Liberalization in China
by Hua Zhang, November 28, 2016
Industry Trends
Asia-Pacific

Abstract

利率市场化就是将利率的决定权交给市场,让市场来决定利率水平。目前,中国的金融市场上,除存贷款基准利率还受政府管制之外,其它利率都已由市场生成。而且就算是存贷款利率,商业银行也可以围绕基准利率在一个相当大的区间内自由浮动。

在新报告,利率市场化对于中国银行业的影响,Celent分析了利率市场化对银行收益、业务和风险管理方面的影响。利率市场化将会使得银行面对更大的利率波动,从而增加银行业的利率风险,使得银行对于利率风险的工具需求上升。另外一方面,利率市场化也会加剧银行业的竞争,使得存贷利差空间缩小,影响信贷的扩张、增加银行的信用风险、对于中间业务的发展需求增加。

“未来,风险定价将会成为银行的核心能力,差异化经营会成为大多数中小银行的发展方式。为了应对利率市场化带来的挑战,Celent给银行如下建议:提高风险定价能力、通过网上银行、社区银行来低利息吸收存款、差异化经营、多元化经营、发展理财业务和发展高收益业务。”张华说,Celent分析师,同时也该报告的作者。

这篇报告描述了利率市场化对银行在利润结构、风险管理和差异化经营方面的影响。

This 14-page report contains two figures and five tables.

Celent is a research and advisory firm dedicated to helping financial institutions formulate comprehensive business and technology strategies. Celent publishes reports identifying trends and best practices in financial services technology and conducts consulting engagements for financial institutions looking to use technology to enhance existing business processes or launch new business strategies. With a team of internationally based analysts, Celent is uniquely positioned to offer strategic advice and market insights on a global basis. Celent is a member of the Oliver Wyman Group, which is a wholly-owned subsidiary of Marsh & McLennan Companies [NYSE: MMC].

Media Contacts

North America
Michele Pace
mpace@celent.com
Tel: +1 212 345 1366

Europe (London)
Chris Williams
cwilliams@celent.com
Tel: +44 (0)782 448 3336

Asia (Tokyo)
Yumi Nagaoka
ynagaoka@celent.com
Tel.: +81 3 3500 3023

Table of Contents

概要

1

中国利率市场化的进程

2

利率市场化的影响

4

结论

7

Leveraging Celent’s Expertise

8

 

Support for Financial Institutions

8

 

Support for Vendors

8

Related Celent Research

9

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