Empirical Analysis on Bank's Net Interest Margin under the Background of Interest Rate Liberation: Taking the Banking Sector in Weihai for Example

摘要

With the continuous reform of China's interest rate market, the deposit and lending spreads gradually narrowed, which undoubtedly makes the deposit and loan spreads as the main source of income of commercial banks face enormous challenges. For small and medium commercial banks, the situation is more severe. Taking the Banking Sector in Weihai for Example, by stata using quarter panel data from 2009 to 2012, Cross-sectional study differences of all kinds of bank's net interest margin, To determine the basis of its policies impact ability; Longitudinal study of 2012 in the middle of two microscopic effect of reform measures, and Combined with the macroeconomic factors, the optimal timing of implementation of policy Suggestions are put forwards.