利率市场化对商业银行理财产品收益的影响

Abstract

随着我国经济的高速发展，我国金融体制改革的程度也在不断地加深，利率的市场化程度也不断提升。截止2015年10月中央银行已全面放开存贷款利率的浮动比例，利率水平从以往的由人民银行严格管控到现在商业银行可以对其进行自主定价。在利率市场化的过程中，传统商业银行的运营模式也发生了翻天覆地的变化，存贷利差空间不断缩小，中间业务收入占比提升，银行理财业务作为中间业务收入的重要来源，理财产品收益率的高低在某种程度上体现了市场对资金供求程度，利率水平对理财产品收益率的影响程度，也反映了利率市场化的程度。因此，在当下研究利率市场化对理财产品的影响极具现实意义。 本文整理并总结了我国利率市场化的发展现状，以及我...With the rapid development of China's economy, China's financial system reform has been deepening, and the degree of marketization of interest rates has also been improved. As of October 2015, the central bank has fully liberalized the floating ratio of deposit and loan interest rates. The interest rate level has changed from strict control by the people's Bank of China to the commercial banks can...