围绕利率市场化,我结合北京银行的实践谈三个方面。第一,利率市场化确实推动了中小银行进入发展新时代。中小银行是为中小企业提供金融服务的主力军,但在资金实力、品牌影响力等方面不具备优势。首先受利率市场化冲击和挑战的便是中小银行。利率市场化带来了三大考验。一是考验中小银行的业务发展模式。二是考验中小银行自主定价的能力,银行竞争的方式将由非 Focusing on the marketization of interest rates, I talked about the Bank of Beijing’s practice in three aspects. First, the marketization of interest rates has indeed pushed the small and medium-sized banks into a new era of development. Small and medium-sized banks are the main force for providing financial services to small and medium-sized enterprises, but they do not have advantages in financial strength and brand influence. First, the impact of the market-based interest rates and the challenge is small and medium banks. Market-oriented interest rates have brought three major tests. First, test the business development model of small and medium-sized banks. Second, the ability of small banks to test their own pricing, bank competition will be from non-