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英语翻译摘要:一方面,利率市场化给商业银行创造更加自由的经营环境;利率市场化也推动了商业银行综合化经营模式的转变;利率市

来源:学生作业帮 编辑:作业帮 分类:英语作业 时间:2024/05/15 01:02:33
英语翻译
摘要:一方面,利率市场化给商业银行创造更加自由的经营环境;利率市场化也推动了商业银行综合化经营模式的转变;利率市场化有利于促进金融机构采取差异化的定价策略.另一方面,利率市场化给商业银行带来巨大的挑战:利率市场化使得存贷利差收窄,过度依赖利差的传统盈利模式会越来越难以为继.其次,利率市场化对银行金融产品的定价能力提出了更高的要求.
关键字:利率 市场化 银行 影响
Abstract:on the one hand,the marketization of interest rate for commercial banksto create a more liberal business environment; interest rate marketization also promoted the transformation of mode of comprehensive management of commercial banks; interest rate liberalization is conducive to adopt differentialpricing strategy to promote the financial institutions.On the other hand,the marketization of interest rate to commercial banks to bring enormous challenges:the marketization of interest rate makes the deposit and loan spreads narrowed,the traditional profit model is overly dependent on spreads will increasingly unsustainable.Secondly,put forward the higher request to the bank financialproducts pricing power of the marketization of interest rate.
Keywords:effect of the marketization of interest rate of Bank