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近年来,我国的利率市场化步伐不断加快,2013年7月20日,中国人民银行决定全面放开金融机构的贷款利率,取消此前的0.7倍下限,将利率市场化的进程向纵深推进。本文就作为经营规模较小,综合实力较弱的农信社,面对利率市场化改革,探讨存贷款利率定价对银行盈利的影响及其应对措施,为推进合理的存贷款利率定价提供参考。
In recent years, the pace of marketization of interest rates in our country has been accelerating. On July 20, 2013, the PBC decided to fully liberalize lending rates of financial institutions, abolish the previous 0.7x lower limit and push forward the process of marketization of interest rates in depth. In this paper, as a small-scale and weak comprehensive strength RCCs, in the face of the market-based interest rate reform, the paper discusses the impact of deposit and loan interest rate pricing on bank profitability and its countermeasures, which will provide reference for promoting reasonable deposit and loan interest rate pricing.