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利率市场化改革,即官方放松存贷款利率管制,放弃对银行存贷利差的保护,使资金价格由市场供求决定。许多国家在过去几十年先后实现了利率市场化,对金融体系产生了较为深远的影响。在我国商业银行利润80%来自存贷款利差的今天,利率市场化的推行必然会对商业银行的经营产生挑战。对商业银行而言,在利率市场化的背景下,不可避免的“高存款利率,低贷款利率”会使其存贷利差减少,严重影响其利润来源。因而提高商业银行存款及存款账户管理能力,对于商业银行的长远发展和我国金融体系的稳定有着重要的战略意义。
Market-oriented interest rate reform, that is, the official relaxation of deposit and loan interest rate control, to give up the protection of bank deposits and loans spread, so that the price of funds determined by the market supply and demand. Many countries have successively marketized interest rates in the past few decades and have had far-reaching effects on the financial system. Now that 80% of the profits of China’s commercial banks come from the spread of deposits and loans, the implementation of marketization of interest rates will inevitably create challenges for the operation of commercial banks. For commercial banks, under the background of the interest rate liberalization, the inevitable “high deposit interest rate and low loan interest rate” will reduce the deposit-loan interest spread and seriously affect the source of profit. Therefore, improving the ability of commercial bank deposit and deposit account management has an important strategic significance for the long-term development of commercial banks and the stability of China’s financial system.