近几个月的宏观经济统计数据显示,中国经济增速下行态势明显,稳增长是当前首要任务,此时降息,指在降低企业融资成本,提振市场信心。而且中国央行的降息与国际趋势是一致的,也显示稳增长再次成为当前各国经济政策的重点。央行首次让存款利率可向上浮动,将给银行利率市场化创造条件,给商业银行更大的风险定价空间,但银行面临的挑战或许更为严峻。 In recent months, macroeconomic statistics show that the downward trend of China’s economic growth is obvious and steady growth is the top priority now. At this moment, the interest rate cut means reducing the financing cost of enterprises and boosting market confidence. Moreover, the rate cut by China’s central bank is in line with the international trend. It also shows that steady growth once again becomes the focus of current economic policies of all countries. For the first time, the central bank will allow deposit rates to float upward, which will create conditions for the marketization of bank interest rates and give commercial banks greater risk pricing space. However, the challenges for banks may be even more severe.