利率市场化、信贷行为与城市商业银行风险承担-技术经济及管理专业论文.docxVIP

AbstractWith Abstract With the progress of interest rate marketization accelerating in country, Interest rates become more vulnerable frequent fluctuations by such factors as external economic and political situation、market supply and demand of funds．It has huge impact the fmancial institutions in country,especially the banking industry the carrier of national economic development and operation and the most important player in the social capital allocation，The reform of market-oriented interest rate has important influence for its future development plan．Therefore，In promoting the process of marketization of interest rate will inevitably great changes to the banking financial institutions． Realize marketization of interest rate is gradual process in country,have the relationship between the transformation of the banking financial institutions and financial innovation，It is the important measure that realize the marketization of interest rate in the field of financial reform to each country,It also the powerful to measure the country。S financial market whether mature．Due to the development of the whole financial system is not perfect in country,financial institutions in the process of implementing interest rate marketization due to some uncertain factors and become variability，especially the city commercial banks is relatively weak to against the marketization of interest rate risk，In the process of interest rate marketization will face great impact and challenges． In recent years，City commercial banks have certain development potential in specific and gradually become important part of the financial system．But local small and medium—sized banks，It have bigger difference compared with the state—owned commercial banks and joint—stock commercial banks in terms of market share、the competitive power of traditional business and the ability to resist risk weak．Therefore，this article attempts to city commercial banks the research object．Respectively to study the influence