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The Impact of Interest Rate Liberalization on the Interest Rate Spread of Commercial Banks in China

Wenyi Bai


In recent years, with the continuous improvement of China's economic development level, the banking industry has developed by leaps and bounds. Its profitability and comprehensive competitiveness has been greatly improved. banks are the symbol of financial economy and the embodiment of a country's economic strength. The steady development of the banking industry will have directly impact on social stability and the level of economic development. The emergence of interest rate liberalization has reduced the state's decision on interest rate, which brings more convenience and great development opportunities to banks, promoting the rapid development of the banking industry. However, it is undeniable that interest rate liberalization will also bring some negative effects to China's commercial banks. Therefore, in order to provide reference and reference for the needs of relevant parties, we must fully understand and grasp the meaning of interest rate liberalization, find out the influencing factors, and on this basis, put forward targeted suggestions.


Interest Rate Liberalization; Commercial bank of China; Meaning; Assets of the Business

Full Text:



Gu H, Zhu L. Research on the impact of interest rate liberalization on deposit and loan spreads of commercial banks -- Based on price and quantitative monetary policy environment. Financial Theory and Practice. 40(6): 24-31.

Yin J. Research on the impact of interest rate liberalization on the profit structure of Chinese commercial banks. Zhejiang University 2019.

Bai X. Research on deposit and loan spreads in Lao Commercial Banks.

DOI: http://dx.doi.org/10.18686/fm.v5i1.1609