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Study on the Influence Factors of Interest Rate Liberalization on Net Interest Margin of Chinese Commercial Banks

Sicong Lin


Interest margin income is the main business and profit source of commercial banks. With the promotion of interest rate liberalization, net interest margin can measure the operation and management level of a bank to some extent. Interest rate liberalization has a great impact on the development of China’s commercial banks. In order to study and deal with this situation, this paper analyzes the opportunities and challenges brought by interest rate liberalization to china’s commercial banks, and puts forward relevant suggestions for china’s commercial banks on how to effectively utilize the development opportunities and actively deal with the challenges.


Interest Rate Liberalization; Commercial Bank; Net Interest Margin

Full Text:



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DOI: http://dx.doi.org/10.18686/fm.v6i1.3275