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在利率市场化改革关键时期,中国银行业应不断加强风险管控能力建设,尤其是要加大中小微业务、金融市场等业务领域风险管控能力的提升,以确保在不断拓展新的盈利增长点的同时,风险能够实现整体可控利率市场化改革对中国银行业的影响简而言之,利率市场化改革的推进可分为贷款和存款两方面,贷款利率市场化往往先于存款利率的市场化。截至目前,中国贷款利率管制已经全面放开,贷款基础利率集中报价和发布机制已经建立并正式运行,随着贷款基础利
In the crucial period of interest rate liberalization, China’s banking sector should continue to strengthen its capability in risk management and control. In particular, it is necessary to step up risk management and control in such business areas as small and medium-sized businesses and financial markets so as to ensure that the Bank continuously expands new profit growth points At the same time, the risk can bring about the impact of market-oriented reform of the overall controllable interest rate on the Chinese banking industry. In short, the marketization of interest rate liberalization can be divided into two aspects: loans and deposits. Marginization of loan interest rates tends to be more market-oriented than deposit interest rates . Up to now, China’s loan interest rate control has been fully liberalized, and the centralized quotation and issuance mechanism of the basic loan interest rate has been established and formally implemented. As the loan base rate