请问利率市场化对中国银行业的影响？

楼下俩都是乱回答的。中国目前的利率并没有完全市场化，虽然有了同业拆借市场。利率市场化你应该懂吧，就是借贷利率由市场供求决定。这样的影响：1，借贷能够有效的发挥作用。比如民间高丽借贷发达的原因，就是因为银行的贷款利率低于了民间市场利率。导致银行惜贷，而企业借不到贷。,2，银行的放贷利率和吸收存款利率可以更加自主决定。3，国家宏观调控的力量小了。4，汇率波动频率和幅度增加对宏观经济造成影响。

利率市场化，会使股市和国际金融 经济走势之间的联系更加紧密。要单说涨跌很难，只能说是长期上是看涨的。利率市场后会更有利于国际之间的资金流动。相信就目前的国际金融行式来看，更多的是国外的钱跑到中国来。

The reform of interest rate is in the stage of overcoming last difficulties, but should be carried out step by step.

"The interest rate is a very important capital price. If the capital price is not formed by an effective market mechanism, it will be hard to keep optimizing flows and dispositions of capitals." The president of the China Merchants Bank Ma Weihua said that the interest rate liberation is an important aspect for the market to play its role of distributing resources, and currently, China's interest rate reform is in the stage of overcoming last difficulties.

"At present, China has already possessed fundamental conditions to further promote its interest rate liberation, but in the short run, the interest rate reform will be a test of life and death for China's banking industry." Ma said that the acceleration of the process of the interest rate liberation will dramatically narrow banks' loan-deposit interest margins. "Since 80 percent of the income of China's banking industry comes from the loan-deposit interest margin and the risk management capacity of China's banking industry still needs improving, the interest rate reform should be carried out step by step," said Ma.

"Currently, the interest rate reform still has two unopened areas, which are the lower limit of the lending rate and the upper limit of the deposit rate. In my opinion, China should start with opening the lower limit of the lending rate," said Ma.

The expectation of comprehensive interest rate liberation is forcing banks to adjust their operation strategies, and small and medium-sized enterprises will get more and better services.

"The interest rate liberation reform is inevitable. The high loan-deposit interest margin will not last long under the situation of interest rate reform and it will be a test for commercial banks." Ma believes that China's banks should timely transform in such aspects as the system, culture and social responsibility in order to adapt to more market-oriented competitions of the future, and if they consider only the growth and profit, they will not be able to realize their transformations.

"The reform will make more banks pay attention to small and medium-sized enterprises' problem in raising funds." Ma said that the China Merchants Bank started its second transformation in 2011. Currently, its loan to small and medium-sized enterprises accounts for about 53 percent of its total public loan, and that has made certain preparations for the risk from the interest rate liberation reform.

The market competition pressure motivates commercial banks to seek sustainable profiting patterns and development modes, promotes market-orientated financial innovations, and encourages the virtuous interaction between the financial system and real economy. In this way, small and medium-sized enterprises will get more and better financial services, said Ma.

当然了，银行有相当一部分利率来自息差。就想今年央行下调存款利率和贷款利率各百分之零点二五，这就会影响今年银行的盈利。

利率市场化，会使股市和国际金融 经济走势之间的联系更加紧密。 要单说涨跌很...第一次加息：1993年5月15日 中国人民银行决定提高人民币存、贷款利率，各...