Negative Interest Rates: How Big a Challenge for Large Danish and Swedish Banks?
Negative Interest Rates: How Big a Challenge for Large Danish and Swedish Banks?
复制标题
负利率：丹麦和瑞典大型银行面临的挑战有多大？
DOI：
--
复制
发表时间：
2016
期刊：
影响因子：
--
通讯作者：
Rima Turk
中科院分区：
文献类型：
--
作者：
Rima Turk
负利率政策在丹麦已盛行多年，在瑞典是最近才出现的。在其他潜在的副作用中，负利率可能会减少银行的主要收入来源——净利息收入，从而削弱银行的盈利能力。然而，对国家（而非合并集团）财务报表的分析显示，银行利润率一直基本稳定。至少到目前为止，利息收入的减少被批发融资成本的减少和费用收入的增加所抵消。尽管如此，仍需继续密切监测负利率对银行健康状况和贷款的影响。
Negative policy interest rates have prevailed for some years in Denmark and are a more recent development in Sweden. Among other potential side effects, negative rates could weaken banks’ profitability by reducing net interest income, their main source of earnings. However, an analysis of financial statements at the country rather than the consolidated group level shows that bank margins have been broadly stable. At least to date, lower interest income was offset by reductions in wholesale funding costs and higher fee income. Nonetheless, the impacts on bank health and lending from negative interest rates will need to continue to be monitored closely.
DOI：
10.2139/ssrn.2093394
发表时间：
2012-06
期刊：
ERN: Panel Data Models (Multiple) (Topic)
影响因子：
--
作者：
Piergiorgio Alessandri;B. Nelson
通讯作者：
Piergiorgio Alessandri;B. Nelson