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2013年7月20日,中国人民银行决定,全面放开金融机构贷款利率管制,取消金融机构贷款利率0.7倍的下限,标志着我国利率市场化改革又迈出关键一步,也预示着沿袭了几十年的商业银行高利差盈利模式不再持续。随着未来利率市场化改革进程的不断深入,商业银行利差逐步收窄已成为大势所趋。2008年金融危机后,我国商业银行经营环境发生了较大变化,一方面受益于央行扩张的货币政策,商业银行信贷规模和存款规模大幅攀升,盈利水平也随之水涨船高;另一方面,基于利率市场化进程加快的预期,各商业银行开始大力发
On July 20, 2013, the People’s Bank of China decided to fully liberalize the interest rate controls on financial institutions and lift the lower limit of 0.7 times the lending rate of financial institutions, marking another crucial step in the marketization of interest rate liberalization in our country. Ten years of high profit margin commercial banks no longer profit model. With the deepening of the marketization of interest rate reform in the future, the gradual narrowing of commercial bank interest rates has become the trend of the times. After the 2008 financial crisis, the business environment of China’s commercial banks has undergone major changes. On the one hand, benefiting from the monetary policy expanded by the central bank, the scale of credit and the scale of deposits of commercial banks have risen sharply, and the profitability has also risen. On the other hand, Market-oriented process is expected to accelerate, all commercial banks began to vigorously send