美、日经验对我国低利率时期商业银行经营启示
Implications for Chinese Commercial Banks in a Low-Interest-Rate Environment:Insights from U.S.and Japanese Experiences
王子乐1
作者信息
- 1. 珠海华发投资控股集团有限公司,广东 珠海 519030
- 折叠
摘要
从美国和日本在低利率环境下的经验,提出中国商业银行业在面临利率下行压力时,应加强资产负债管理,优化存款利率结构,并推动业务向轻资本化转型,以增强对利率风险的抵御能力的启示.
Abstract
This paper draws on the experiences of the United States and Japan in low-interest-rate environments to propose that,in the face of downward pressure on interest rates,Chinese commercial banks should strengthen their asset-liability management,optimize the structure of deposit interest rates,and drive a transition towards lighter capitalization.These strategies are aimed at enhancing the banks'ability to withstand interest rate risks.
关键词
低利率/净息差/资产负债/多元化转型Key words
low interest rates/net interest margin/asset-liability management/diversification and transformation引用本文复制引用
出版年
2024
NETL
NSTL
万方数据