Research on Net Interest Margin and Asset Liability Management of Urban Commercial Banks in China
In recent years,affected by the squeeze on both ends of assets and liabil-ities,the net interest margin of China's banking industry has continued to narrow,and the profitability has been under pressure,the impact on urban commercial banks is particularly obvious.At the end of December 2023,the net interest margin of China's urban commercial banks has dropped to 1.57％,which is at the lowest level among all types of banking institutions,and"stabilizing interest margins"has become the focus of asset and liability management of urban commercial banks.This paper systematically sorts out the trend and influencing mechanism of banks'net interest margin,and uses the panel data model to test the influencing factors of net interest margin changes of 17 listed urban commercial banks.the results show that the pricing competitiveness,asset-liability structure,business scale and asset quality of banks are the main factors affecting the changes in net interest margin of urban commercial banks.To stabilize interest margin,it is suggested that urban commercial banks effectively build a"moat"for net interest margin and further im-prove the sustainability and effectiveness of serving the real economy by starting with the following five aspects:improving asset allocation efficiency,strengthening liability cost management,perfecting interest rate self-regulation management,ele-vating the level of comprehensive services,and strengthening the empowerment of financial technology.
Urban Commercial BanksAssets and LiabilitiesNet Interest MarginPanel Data Model
万方数据
维普
