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在我国利率市场化进程加快的过程中,商业银行的同质化经营与竞争模式难以在短期内突破。商业银行应全面分析市场化改革的影响,以差异化发展的思维顺应利率市场化的趋势随着我国利率市场化进程的加快,商业银行同质化经营与竞争模式的问题凸显,转型升级压力增大。对此,应全面分析利率市场化改革的影响,以差异化发展的思维顺应利率市场化的趋势,才能化挑战为机遇、变不利为有利。冲击与挑战商业银行的同质化经营与竞争模式难以适应利率市场化变革的要求,不仅导致单家机构压力加重,而且也会加剧整个行业的系统性风险。同质化经营和盈利模式受到冲击,银行业谋求差异化发展转型压力也加大。根据美国、日本等发达国家的改革经验,利率市场化初期,商业银行资金成本将大幅上升,存贷利差收紧,甚至出现存贷利差倒挂现象。我国商业银行片面追求存贷利差的同质化盈
In the course of accelerating the marketization of interest rates in our country, it is difficult for commercial banks to break the homogeneity model and competition mode in a short period of time. Commercial banks should comprehensively analyze the impact of marketization reform and follow the trend of marketization of interest rates with differentiated development. With the acceleration of marketization of interest rates in our country, the problem of homogeneity management and competition in commercial banks is highlighted. The pressure of transformation and upgrading is increased Big. In this regard, we should comprehensively analyze the impact of market-based interest rate reform and follow the trend of marketization of differentiated development in line with the development of differentiated development so as to turn challenges into opportunities and change unfavorable advantages. Impacts and Challenges The homogeneity of management and competition model of commercial banks is difficult to meet the requirements of the market-based interest rate reform. This not only results in more pressure from individual institutions, but also aggravates systemic risks in the entire industry. The homogenization of operations and profitability models have been hit and the banking sector has also been pressured to seek differentiated development and transformation. According to the experience of the developed countries such as the United States and Japan, in the early stage of market-oriented interest rates, the capital cost of commercial banks will rise sharply, the deposit-credit spreads will tighten, and the deposit-loan spreads may even upside down. China’s commercial banks unilaterally pursue the homogeneity of deposits and loans spreads