利率市场化下我国商业银行风险控制-应用经济学；国民经济学专业毕业论文.docxVIP

THE THE RISK CONTRoL oF CoMMERCIAL BANK DURING THE PRoCESS oF INTEREST RATE LIBER AI。IZATIoN IN CHINA ABSTRACT As a important part of explanted financial system in china,commercial banks embed between residents and entities，having the responsibility of absorbing in consumer surplus funds and applying in the real economy，conlxolling the key link from saving to investment．The advance of interest rate liberalization will have a maj or influence on the management environment and model of commercial market．If commercial banks lack the ability of risk management，their stability would be at risk,which then effect the stability of the economic system．Therefore，making research on the risk management of commercial banks in China under the condition of interest rate liberalization has important theoretical and practical significance． The paper，with the help of the macro analysis methods，historical analysis and comparative analysis，makes a detailed analysis of impact of new background on the commercial assets，liabilities and profitability．The impact includes that the disability of debt structure decreased，the invest obj ect begin to focus on the high-risk field，and profit level presented downward trend．Then studying on the change of commercial banks’risk profile，including the risk preference，risk relevance，new characteristics of credit risk，liquidity risk and 万方数据 interest interest rate risk under the new environment and in the process of changing bank’S management model．Furthermore，the paper study on the deficiency of commercial bank’S risk management mechanism when copping with the new content of risk．Finally，the end of paper in terms of each risk,put forward a series of risk management suggestions to deal with the interest rate liberalization and promote continued development． KEY WoRDS： Interest Rate liberalization；Commercial Bank；Risk 万方数据 目 目 录 摘要 I ABSTRACT ．．H 第1章绪论 一1 1．1研究背景以及研究意义 ．1 1．2文献综述 3 1．2．1国外文献 3 1．2．2国内文献 4 1．3研究思路以及研究方法 ．5 1．4主要创新点以及不足 ．6 第2章利率市场化的概述