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1、Themarketizationofinterestrate effectsonbankprofitKeyword:Themarketizationofinterestrate;spreadoncommercialbank;profitabilitybank;Transformati-on;Influence;CountermeasuresChina interestratemarketization step doesnothalt, nomatterwhat path tocomplete thereformofinterestratemarketization,
2、theultimategoalofall willbethe disappearanceoftheinterestratecontrol. Forthebanks, themostdisadvantage istheinevitableresultof theceilingondeposit interestrateliberalization, depositinterestrates, lowerloaninterestratesareliberalized, lending ratesdownward.Imapactofinterestratemarketizat
3、ionmeasureofbankprofitability.Atpresentthe depositsofcommercialbanks, andabout95% 1 yearperiodfollowing deposits,and depositsofenterprises within1 year residents, fixeddeposits accountedformorethanaboutsixfour open. Therefore, if theceilingondepositinterestrates inaccordancewiththe"first
4、 termafterterm" twostepstowalk theway graduallyopen, thenthe impactonbanks willgradually reflect.Thefirststep, letgoof 1yearsormore long-term depositinterestrate. Iftheabove 1yearlong-termdepositinterestrate ceilinglifted, bank depositinterestrates canreferto thesametermagreement deposit
5、interestrate calculation, thedepositinterestratesofabout 100basispoints to uplink. Accordingtothecalculationof long-term depositsaccountedfor 5% oftheproportionof bankdeposits, 1yearsorabove thedepositrate willbeopen sothat thebankdeposit costs upward about5basispoints, comparedwith thec
6、urrentbankdeposit costsriselessthan3%.Thesecondstep, releasethe1 yearperiodfollowing includedemanddeposits, thedepositinterestrateupperlimit. Because mostbankdeposit is 1 yearsfollowing short-termdeposits,if short-termdeposits and1yearsfollowing the livetwo kindsofdeposit andletgo, thena
7、mplitudewill greatlyincreasethe cost ofbankdeposits up. Currentlyonthemarket 36months deadline Guaranteed Fixed type financialproductsaregenerally higherthanthesameperiod limit thestatutoryrate level deposit 100150basispoints, accordingtothecalculation, iftheshortterm dep
