Positive influence of interest rate marketization on commercial banks;
After the marketization of loan interest rate, some financial institutions may raise the loan interest rate, so they can get more loan interest income and increase the profitability of banks. At the same time, it can absorb idle funds more effectively, improve the efficiency of capital utilization and better promote economic development. Financial institutions adopt differentiated interest rate strategies, which can reduce the financing cost of enterprises, improve the level of financial services, and make finance better support entities.
The adverse effects of interest rate marketization on commercial banks;
The uncertainty of interest rate fluctuation affects the profit margin of bank deposit-loan difference, especially the traditional business model in which domestic banks are highly dependent on interest income. Giving pricing power to the market puts forward higher requirements for the pricing ability and technical level of bank wealth management products. Increase a series of risks faced by commercial banks, such as interest rate risk, credit risk and liquidity risk; Changing the external business environment of commercial banks will affect the competitive pattern of the banking industry and make the competition increasingly fierce; It affects the asset-liability structure of commercial banks and increases the difficulty of capital management.
Generally speaking, the impact of interest rate liberalization on commercial banks is good and bad, and the specific situation still needs specific analysis. Everything has two sides, and there is no way to say that NO is only beneficial or harmful. It is worth mentioning that, for the big banks themselves, interest rate liberalization has not affected the difference in their deposit and loan interest rates.