论文部分内容阅读
随着利率市场化进程的加快,许多研究者对发达国家利率市场化后利率的变化趋势进行研究,从而预测我国利率市场的未来发展。本文创新地采用我国银行理财市场的历史数据,一定程度上验证了利率市场化后存款利率会出现先升后降的趋势、中小银行的存款利率高于国有银行、银行的净利差将减少等三个假设。本文提出,我国商业银行应该采用“蜂群思维”来摆脱传统以总行为中心的架构,建立具有自适应能力的活系统。
With the acceleration of marketization of interest rates, many researchers study the trend of the interest rates of developed countries after marketization, so as to predict the future development of China’s interest rate market. This paper creatively uses the historical data of China’s bank financial market, to some extent, validated the deposit rate will rise first and then decline after interest rate liberalization. The deposit interest rate of small and medium-sized banks is higher than that of state-owned banks, and the net interest margin of banks will decrease. A hypothetical. This paper suggests that commercial banks in our country should adopt “beekeeping thinking” to get rid of the traditional architecture that takes the head office as the center and establish a living system with self-adaptability.