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利率市场化是指货币市场投融资的利率水平由市场供求决定的过程。对商业银行来说,利率市场化是指商业银行根据市场的资金供求变化来自主调节存贷款利率,从而有效实现资金最优化配置的过程。利率市场化给银行带来挑战与机遇利率市场化给商业银行带来的主要挑战表现在以下几个方面:一是经营成本提高,市场竞争日趋激烈。伴随利率市场化进一步发展,商业银行的存贷款利
Market-oriented interest rate refers to the money market investment and financing interest rates determined by the market supply and demand process. For commercial banks, the marketization of interest rates refers to the process by which commercial banks adjust their own deposit and lending rates according to the changes in market supply and demand so as to effectively realize the optimal allocation of funds. Market-oriented interest rates bring challenges and opportunities to banks The main challenges brought by the marketization of interest rates to commercial banks lie in the following aspects: First, the operating costs are rising and the market competition is getting fiercer. With the further development of marketization of interest rates, the interest rate on deposits and loans of commercial banks