利率市场化对商业银行经营的影响分析.docVIP

PAGE PAGE 20 利率市场化对商业银行经营的影响分析 摘要：如今，我国利率市场化已经进入关键阶段，加快利率市场化进程亟不可待。由于西方发达国家在进行利率市场化的过程中起步较早，如今已基本完结，针对商业银行的经营管理已经形成科学体系，而我国处于起步阶段，还没形成完善的体系。随着我国利率市场化的步伐加快，商业银行经营必然出现较大问题，尤其是利率风险的控制管理，逐渐获得较高的关注。研发出与我国商业银行发展实情相符合的利率风险管理方式，将为建立一个完善的管理体系发挥重要作用。基于利率市场化的基本含义，笔者阐述了我国利率市场化的发展状况、目标及相关规定准则，同时对商业银行因利率市场化进程所产生变化展开详尽分析，同时为如何防范并管理利率风险指出了相应的措施。 关键词：利率市场化利率风险利率风险防范 The influence of interest rate marketization of commercial Banks business analysis Abstract: At the moment, the interest rate market in China has entered a critical period, and the interest rate market process is imminent. The western developed countries completed early interest rate liberalization, operation and management of commercial Banks had formed a scientific system, and in the initial stage in our country, have not formed the perfect system. With the pace of interest rate market in our country, commercial banks must appear larger problems, especially the interest rate risk management, it will have more and more attention. Research is suitable for our country commercial bank interest rate risk management methods, perfect our country commercial bank interest rate risk management system of Banks is of great significance. Starting from the connotation of the interest rate marketization, the writer introduces the present situation of the marketization of interest rate in our country, the overall objectives, basic principles, and?the impact of interest rate marketization on the operation of commercial banks?management has carried on the system analysis, and put forward the implementation of interest rate risk of commercial bank in the process of marketization of interest rate management approach. Keywords: market-oriented interest rate interest rate risk Interest rate risk prevention 一、引言 （一） 选题的背景和意义 1、研究背景 随着全球经济一体化和金融深化改革和发展，其中必然会牵涉到利率市场化，利率市场化改革是大势所趋。20世纪70年代，西方国家便进行了利率市场化改革，截止到目前，大多数发达国家都已经实现了利率市场化。和发达国家相比，我国利率市场化改革较晚，还没完全市场化。1993年开始提出我国利率市场化改革思路，到现在过去了20多年，我国利率市场化改革取得了很大的进步，利率管制得到了较高程度的放松，利率结构也变得合理。 利率市场化改革对