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随着利率市场化改革的深化,如何促进银行业与实体经济的良性互动是一个值得思考和研究的课题。随着利率市场化改革的深化,银行负债结构深刻变化、成本不断攀高,带动资产结构和成本相应变化,由此对实体经济的发展产生深远的影响;同时,实体经济滑坡也加剧了银行的经营风险。如何促进银行业与实体经济的良性互动是一个值得思考和研究的课题。以池州市为例,近年来,池州银行业金融机构利润逐年递增,但增幅明显趋缓。
With the deepening of the market-based interest rate reform, how to promote the benign interaction between the banking industry and the real economy is a subject worth pondering and studying. With the deepening of market-oriented interest rate reform, profound changes in the debt structure of banks and rising costs have led to a corresponding change in the asset structure and cost, which has a profound impact on the development of the real economy. At the same time, the real economy has also exacerbated the bank’s operation risk. How to promote the benign interaction between the banking industry and the real economy is a subject worth pondering and studying. In Chizhou, for example, in recent years, Chizhou banking financial institutions profits increased year by year, but the growth rate slowed down significantly.