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随着农村商业银行利率市场化改革的不断深化,农村商业银行的综合服务水平与核心竞争能力得到有效加强。但也随之带来一系列的利差调整问题,大大降低了农村商业银行的利差收益水平。与西方发达国家相比,我国农村商业银行的利差收入还有待进一步加以调整。健全完善资产负债比例管理制度,加速推进成本分析与控制的系统化水平,促进项目投资管理制度化建设,积极优化财务资源配置,已经成为农村商业银行建设发展的当务之急。
With the deepening of the market-based interest rate reform of rural commercial banks, the comprehensive service level and core competitiveness of rural commercial banks have been effectively strengthened. However, a series of interest rate adjustment problems will be brought along with it, which will greatly reduce the interest income spread of rural commercial banks. Compared with the western developed countries, China’s rural commercial bank interest income needs to be further adjusted. Improving the asset-liability ratio management system, accelerating the systematic level of cost analysis and control, promoting institutionalized investment management and actively optimizing the allocation of financial resources have become urgent tasks for the construction and development of rural commercial banks.