利率市场化对我国中小商业银行利率风险管理的影响分析.docVIP

PAGE PAGE 19 利率市场化对我国中小商业银行利率风险管理的影响分析 摘要：在我国人民币利率市场化改革的过程中，作为中小银行显然面临较大的发展不确定性。最近几年，我国银行业伴随着国内经济的快速发展而得到迅猛扩张，几大国有银行无论是从存款规模、资产管理规模以及市值上比较，都已经位列全球商业银行前列。而在这一过程中，我国的中小商业银行也通过差异化的竞争优势，比如业务手续费的减免、更好的个性化差异化客户服务项目，也取得了快速发展。但随着我国利率市场化进程的推进，存款保险制度的推出，都对我国中小商业银行的经营发展产生了巨大的影响。现在存款利率上浮区间不断扩大，中小商业银行为了争夺存款，一般都是将基准存款利率一浮到顶。这虽然能够让中小商业银行在与国有大型银行的竞争取得资金价格的优势来吸引客户，但同时也加大了中小商业银行自身的资金成本。另一方面，存款保险制度的实施也使得中小银行面临的经营发展压力更大，因为大型商业银行凭借规模优势，存在破产清算的风险相较中小商业银行来说更小，也就会对客户吸引力更大。因此，在这样的人民币利率市场化的进程中，研究利率市场化对我国中小商业银行利率风险管理的影响显得十分有意义。 关键词：利率市场化；中小商业银行；利率风险管理 Analysis of the impact of interest rate risk management of Chinas small and medium-sized commercial banks interest rate marketization Abstract: In the process of reform of the RMB interest rate market, as small and medium-sized banks apparently face greater uncertainty in the development. In recent years, Chinas banking industry with the rapid development of the domestic economy and the rapid expansion of several major state-owned banks, whether it is from the comparison of the deposit scale, the scale of asset management and market capitalization, has been ranked among the worlds commercial banks in the forefront. In this process, Chinas small and medium-sized commercial banks through differentiated competitive advantage, such as customer personalized difference of service fee waiver, better services, has achieved a rapid development. But with the process of Chinas market-oriented interest rate reform, the introduction of a deposit insurance system, has a great influence on Chinas small and medium-sized commercial banks business development. Now the deposit interest rates go up expanding the range, small and medium sized commercial banks to compete for deposits, is generally the benchmark deposit rate of a floating ceiling. Although this can make the small and medium-sized commercial banks to obtain funds for price advantage in the competition and large state-owned banks to attract customers, but also increased the small and medium-sized co