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利率市场化给商业银行带来巨大影响,农村中小金融机构规模小、底子薄、实力弱,长期依赖存贷利差盈利,成为利率市场化过程中受到最大冲击和挑战的群体之一。冲击带来经营困境与危险,同时也倒逼机构转型。农村中小金融机构必须改变以往资本消耗型,规模利差型的经营和盈利模式,同时,在战略规划、信贷管理、产品定价、风险控制和危机应对等方面也要下足工夫。
The marketization of interest rate has a tremendous impact on commercial banks. Small and medium-sized financial institutions in rural areas are small-scale, weak in foundation and long-term profit-making depending on deposit and lending spreads. They have become one of the groups most affected and challenged in the marketization of interest rates. The impact brought operational difficulties and dangers, but also forcing institutional restructuring. Small and medium-sized financial institutions in rural areas must change their capital-consumption-scale and interest-rate-based operating and profit-making models. At the same time, they must make sufficient efforts in strategic planning, credit management, product pricing, risk control and crisis response.