摘要
利率市场化能否全面顺利推进,地方法人金融机构是否具有相应的利率管理水平是个关键因素。本文利用陕西省农村合作金融机构样本,基于利率敏感性缺口和FLANNERY的部分调整模型进行研究发现:受当地利率承受水平、存贷款格局、历史负担和相关市场制度建设滞后等因素影响,地方法人金融机构对利率风险不敏感,但已呈现出向好趋势。
Whether the interest rate market can be successfully promoted, local corporate financial institutions management of interest rates is a key factor. Based on samples of rural cooperative financial institutions in Shanxi Province, and the interest rate sensitivity gap and FLANNERY adjustment model, local corporate financial institutions are not sensitive to interest rate risk, but shows good trend, given the local interest bear level, deposits and loans pattern, historical burden and related market system.
出处
《金融发展研究》
2011年第10期30-34,共5页
Journal Of Financial Development Research
