利率市场化下我国商业银行面临的机遇与挑战-金融学专业论文.docxVIP

III III IV IV 关键词：利率市场化，商业银行，利率风险，应对策略 ABSTRACT With the deepening of the countrys economic system reform and the reform of the financial system, the reform of Chinas interest rate market began to enter a period of rapid development,the period of time in the future will be the steady progress of the financial markets of stage. The interest rate market will help improve the financial market environment and the operational efficiency of the financial system, optimize the allocation of resources, guide the entire financial sector and the whole socio-economic to achieve a balanced. However, the practical experience of the international interest rate market is indicates that this will be a long, tortuous process,although it bring to commercial banks more independent pricing, but also to hide the huge risks. For developing countries, due to its weak economic base, the impact resistance is not strong, want to promote interest rate will involve more risks, brought Chinas banking industry new shocks and greater challenges.So,in the process of Chinas interest rate market, research the impact of the commercial banks will still have important theoretical value and practical significance. This article will be standing on the the perspective of commercial banks to analyze the impact of all aspects of the commercial banking operations and risk management form Interest rate market,which will focus on the mathematical analysis to the commercial banks’ interest rate risk situation in the process of marketization of interest rates, then from research to explore a number of measures taken in response, make commercial banks to operate more smoothly,even on this basis, seeking some methods to improve the level of profitability. The article first provides a brief exposition of the research status at home and abroad on the interest rate market,then analyzed some of the problems that exist in the process of reform; Secondly, the advanced practical experience in foreign interest rates market