利率市场化对国有商业银行的挑战及对策.docVIP

PAGE PAGE 17 利率市场化对国有商业银行的挑战及对策 摘要：近年来，我国加快了金融改革步伐，利率市场化改革方向日益明确和清晰。在我国当前发展形势下，加快促进利率市场化改革是增强宏观调控和提高社会资金利用率的有效途径，是进一步释放经济发展活力的重要保障。随着改革开放不断深入以及推进，我国金融行业面临着来自国内外金融市场的挑战和竞争，国内金融企业发展遭遇了更大压力和阻力。利率作为金融市场重要调节工具，其在促进资金供求平衡方面具有不可或缺的作用。一直以来，我国金融体系主要以商业银行为主，其业务经营占据了整个金融行业的绝大比重，具有十分重要的市场地位和影响力。随着国内金融体制改革不断深入，商业银行将面临着更加严峻的生存发展挑战和竞争。而利率市场化必然是今后金融市场改革的主要方向，以进一步发挥其促进资金供求平衡的作用。对于商业银行来说，利率市场化改革对其经营环境、业务范围以及市场风险等都会造成巨大影响。这既会有积极的一面，也会有消极的影响。因此，商业银行在今后发展过程中，要根据外部经营环境变化，灵活调整自身经营策略，对自身业务结构、经营领域、营销渠道以及内部治理做出相应的调整和变化，不断加强内部控制和风险应对能力，发掘新的利润增长点，以积极主动的态度迎接利率市场化改革。本文从存贷款利差变化，商业银行竞争成本波动，市场利率波动风险等方面分析了商业银行在利率市场化改革背景下面临的挑战的压力，并在此基础上提出了有效应对对策。 关键词：利率市场化；商业银行；金融监管 On Securities Compensation in protecting the interests of investors Abstract: In recent years, China has accelerated the pace of financial reform,?the direction of interest rate reform increasingly clear and crisp. Under Chinas current development situation, accelerate the promotion of the interest rate reform is an effective way to strengthen macro-control and improve the utilization of social capital is an important guarantee for the further release of economic development vitality. With the deepening of reform and opening up as well as to promote Chinas financial industry is facing challenges and competition from domestic and international financial markets, the development of domestic financial companies suffered a greater pressure and resistance.?Interest rate as an important regulator of the financial market?instruments, which has an indispensable role in promoting capital supply and demand balance. All along, Chinas financial system is mainly oriented to commercial banks, whose business accounted for the vast proportion of the entire financial sector, with the market position and influence is very important. With the deepening of the domestic financial system, commercial banks will face tougher challenges and competition for survival and development. Market interest rates are bound to be the main direction of the future of fina