Empirical Analysis Of Factors Affecting Commercial Banks’ Net Interest Margine In China

In recently years, the pace of the reform for the marketization of interest rates hasbecoming more and more quickly in China. Since July20,2013, The central bank released thefinancial institutions lending interest rate control and canceled the lower lending rates offinancial institutions0.7times, which make the financial institution can determine theirown loan interest rates according to market principles. Commercial bank interest ratepricing rights is further enlarged. Under the market competition, Commercial bankdeposit rate will be enlarged in the future. So it is very necessary to study the commercialdeposit banks interest rate.The main content of this paper is the influence factors of our country Commercialbank deposit rate. First of all, this paper aims to introduce the domestic and foreignliteratures about the commercial bank deposit rate.The third part of the article usingchart shows the changes in spread status and interest income proportion of our big fivebanks, joint-stock, city commercial banks occupies in three kinds of our bank earnings inrecent years, This part also comment on future change and income of bank spreads.Through the comparative analysis of influence factors of the domestic and foreigninterest rate, based on China’s national conditions, The forth part select2008-2012years15banks (including5lines,5shareholding,5city commercial banks) panel data fromthe macro and micro aspects of the proper influence factors. The multiple linearregression model is established in order to observer the effect degree of these factors toour country commercial bank spreads. Based on the conclusion of the study andconsidering the phenomenon of reduction of commercial bank interest income in theprocess of interest rate marketization, this article aims to help commercial banks find themethod of increasing profits and improving competitiveness in the narrow circumstancesof interest rate...