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引用次数: 1

摘要

本文对央行加息预期下的存款不良信用状况进行了分析。为了控制急剧上涨的物价,中央银行采取了提高利率的措施,并相应提高了商业银行的存款利率和贷款利率。首先,通过建立央行加息的系统动态模型,分析了央行加息对商业银行存贷款利率影响的综合效应。其次,分析了存款不良信用制度是否对商业银行造成了混乱,指出央行上调利率是合理的。最后,提出了银行应对存款不良信用下降问题应采取的措施。
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The analysis on the Deposit poor Credit under the anticipation of the Central Bank raising the interest rates in China
The paper has made the analysis on the Deposit poor Credit under the anticipation of the Central Bank raising the rates. To control the sharply increasing prices, the Central Bank has taken the measure of raising the interest rates and it has made the deposit rate and loan rate of the commercial bank up correspondingly. Firstly, through the model of systematic dynamic of the Central Bank raising the rates, the paper has analyzed the SyntheSim for the effect of the Central Bank raising the rates to the deposit rate and loan rate of the commercial bank. Secondly, the paper has analyzed whether the system of the Deposit poor credit for the commercial bank chaos or not, and pointed out that the Central Bank raising the rates has been rational and reasonable. Finally, the paper has put forwards the measures which the bank should take to deal with the problem of the decreasing of the Deposit poor Credit.
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