利率市场化对商业银行的影响及对策研究

10月23日，中国人民银行宣布，自2015年10月24日起，下调金融机构人民币贷款和存款基准利率，以进一步降低社会融资成本。利率作为资金使用的成本，决定资金的分配和使用。文章从商业银行的存贷款利率和其他金融中介机构提供的金融产品的回报率入手，证实了除人民币存款利率以外的其他利率都已经实现市场化。在利率市场化不可逆转前提下，商业银行要想继续保持竞争力就必须变革。

Research on influence of interest rate marketization to commercial banks and the countermeasures

On October 23, the People's Bank of China announced that since October 24, 2015, it would cut the RMB benchmark loan and deposit rates of the financial institutions to further reduce the social financing cost. As the cost of capital use, interest rate decides the capital allocation and use, and rate controls distort the financial resource configuration and make the economic development slow. By analyzing the deposit and loan rates of the commercial banks and the rate of return of the financial products provided by the other financial intermediaries, it is confirmed that all the interest rates are marketized except the RMB deposit interest rate. Under the irreversible interest rate marketization, the commercial banks have to reform if they want to stay competitive.