论“利差”收窄对商业银行影响及应对策略

摘  要：在当前国内的经济形势下，银行利差收窄给商业银行的盈利能力带来了严峻的挑战。如何避免利差收窄带来的不利影响成了商业银行在激烈竞争环境下得以生存的首要任务。本文从银行“利差”因素探究、利差收窄成因分析、利差收窄对商业银行综合影响、不同规模商业银行之间财务状况对比分析和应对利差收窄提出的意见这几方面而展开。力图帮助商业银行，尤其是区域性商业银行度过利差收窄时期，扩宽盈利渠道，控制住商业银行的信贷风险，实现银行利润最大化目标。
关键词：银行利差；利差因素；利差收窄；财务指标；

Spreads narrowed for Impact and strategies
of Commercial Banks
Abstract：In the current domestic economic situation，the banks spreads narrowed to commercial banks profitability has posed a serious challenge. How to avoid the adverse effects of narrower spreads have become the primary task of survival of commercial banks in a highly competitive environment. This article started from exploring bank "spreads" factors, spreads narrowed Analysis, spreads narrowed for impact of commercial banks, commercial banks of different sizes between the comparative analysis of financial condition and responsing to comments by narrowing spreads. Trying to help commercial banks, especially regional commercial banks, spents the period of spreads narrowed,wides the profit channels, controls the commercial bank's credit risk and achieves the goal of maximizing their profits.
Key words：Bank spread；Spread factor；Spreads narrowed；Financial Indicators；

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