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实体经济是一国经济的根本,是金融发展的前提和基础。存贷款利差是金融机构的主要利润来源,利差水平的高低将直接影响金融机构的经营和实体经济的发展。本文以内蒙古通辽市为个案,通过对存贷款利差与实体经济发展相关性分析,探索引导商业银行合理运用存贷款利差,优化信贷结构,实现金融与实体经济的有效对接的路径,以期推动我国经济又好又快发展。
The real economy is the fundamental of a country’s economy and the precondition and foundation of financial development. Spread of deposits and loans is the main source of profit for financial institutions. The level of spreads will directly affect the operation of financial institutions and the development of the real economy. Based on the case study of Tongliao City, Inner Mongolia, this paper explores and guides the commercial banks to make rational use of deposit-loan spreads, optimize credit structure and realize the effective connection between finance and real economy through the analysis of the correlation between deposit-loan spreads and real economy development, China’s economy is sound and fast growing.