利率市场化对我国商业银行信用风险的影响.docVIP

随着不断深化我国经济体制改革和市场化的持续推动，以及经济一体化浪潮的影响，推动利率市场化的实现是我国现阶段经济改革的重点和进一步发展的必然要求。尤其是2019年，先是国务院提出完善贷款市场报价利率（LPR）形成机制，之后中国人民银行正式出台新的完善贷款市场报价利率（LPR）形成机制，标志我国利率市场化迈上新台阶。商业银行在整个社会充当着信用创造和社会信用的角色，对国民经济的进一步发展起到重要的作用，因此商业银行必然也是会最为直接受到利率市场化影响的主体。本文通过对利率市场化的相关理论分析，加上对我国商业银行在如今利率市场化的背景下面对的风险分析，提出了相应的建议。利率市场化对于我国商业银行既是机遇又是挑战，只有顺应时代的发展，勇敢面对市场上的挑战，不断创新才是商业银行进一步发展的根本方法。 关键词 商业银行，利率风险，利率市场化 毕业论文外文摘要 Title Analysis of the Impact of Interest Rate Liberalization on China’s Commercial Banks’ Interest Rate Risk Abstract With the continuous deepening of Chinas economic system reform and marketization, as well as the impact of the wave of economic integration, promoting the realization of interest rate marketization is the focus of Chinas economic reform at this stage and the inevitable requirement of further development. Especially in 2019, the State Council first proposed to improve the formation mechanism of the loan market quotation rate (LPR), and then the peoples Bank of China officially introduced a new formation mechanism of the loan market quotation rate (LPR), marking a new level of interest rate marketization in China. Commercial banks play the role of credit creation and social credit in the whole society and play an important role in the further development of the national economy. Therefore, commercial banks are bound to be the most directly affected by the interest rate marketization. Through the theoretical analysis and comparative study of interest rate liberalization, this paper discusses the impact of interest rate risk of Chinas commercial banks under interest rate liberalization, and puts forward corresponding suggestions. The marketization of interest rate is not only an opportunity but also a challenge for Chinese commercial banks. The long-term strategy for sustainable development of commercial banks is to adapt to the development of the times and actively face the challenge. Keywords commercial banks, i