Comparative Study Of China’s Different Commercial Banks’ Net Interest Margin In The Process Of Interest Rate Liberalization

Bank net interest margin level comprehensively shows the commercial bank asset liability management, gain the ability to interest income. Are is questioned continuously in recent years, China’s banking sector spreads level, in the interest rate marketization to push, "financial disintermediation" big background, the comparative analysis of different types of Banks in China net interest margin level and its influencing factors has important significance.In this paper, first of all, the net interest margin is defined, a broader concept of commercial bank’s net interest margin and spreads and the benchmark interest rate differentials is a influence factors of net interest margin. And its net interest margin level comparison, found that city commercial bank’s net interest margin is higher than other two kinds of commercial Banks. Then, based on three kinds of representative commercial bank the proportion of each type of interest-bearing assets and interest-bearing liabilities and the cost rate for structural analysis, found that different structures of interest-bearing assets and interest-bearing liabilities caused the differences between the commercial bank’s net interest margin。Secondly, this article combed the United States, Japan, China’s interest rate marketization process, found in the process of interest rate marketization, the commercial Banks in three countries assets business and liabilities business and net interest margin, show some thing in common:loan proportion increase gradually, deposit ratio decrease gradually, net interest margin has a tendency to shrink. By comparing, the main commercial bank of China and developed countries net interest margin levels have also found that the commercial bank of China net interest margin is not absolute advantage.Finally, three kinds of commercial bank’s net interest margin will influence factors of panel data to empirical research, analysis of the inhomogeneity commercial bank on the net interest margin factor differences, and no similar commercial Banks according to the empirical results to six aspects of the relevant policy Suggestions are put forward.