In recent years,under the promotion of various policies,the loan interest rate continues to decline,the interest rate spread gradually narrows,and the credit market presents a"exchange price for quantity"competition pattern,the profit model of commercial banks,which takes interest margin as the main profit source,is facing great challenges.By analyzing the evolution of deposit-loan spread and the definition of equilibrium spread in recent years,this paper finds that the current credit market competition is more adequate,the overall interest rate spread of commercial banks is close to a reasonable level,and the loan interest rate should not be further reduced unilaterally.In the future,while supporting the development of real economy,we should focus on reducing the interest rate on the debt side and strengthening the cost control.
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