中国银行业躺着赚钱的日子已经结束,利率市场化以后,银行将面临更艰难的转型压力。7月5日,当市场还沉浸在讨论适时调整存款准备金率的时候,央行却选择了继续降息。一年期存款基准利率下调0.25个百分点;一年期贷款基准利率下调0.31个百分点。 The days of lying and making money in China’s banking sector have come to an end. After interest rate liberalization, banks will face more difficult transformation pressures. July 5, when the market is still immersed in discussions about the timely adjustment of the deposit reserve ratio, the central bank has opted to continue to cut interest rates. The benchmark one-year deposit rate was cut by 0.25 percentage point; the benchmark one-year loan interest rate was cut by 0.31 percentage point.