商业银行利率市场化风险问题及处理应对策略分析.docVIP

PAGE PAGE 17 商业银行利率市场化风险问题及处理应对策略分析 [摘要] 商业银行利率风险主要指由于利率市场变动而引发商业银行表内、表外业务出现收益风险及损失的情况，客观来讲利率风险是诱发商业银行发生市场风险的重要原因。从我国目前金融市场发展来讲，商业银行正经历着改革创新发展时期，系列改革举措能够有效提升金融资源配置的效率，促使国内经济增长形式有传统的粗放型经济模式向着集约型经济模式转化，但是不容置否，在改革的过程中也会将社会不同经济主体暴露于不断增加的利率风险之内，若经营处理不当，极易产生经济层面的负面影响。且随着金融市场化改革的不断深化，金融市场利率的波动幅度也日渐提高，且频率呈走高的趋势，因此商业银行产生的利率风险也将会更大。如果不能妥善在发展的过程中实施针对性的防范，将无益于商业银行持续发展，所以在这一宏观背景之下对国内商业银行的利率风险因素进行深入分析，并给予针对性的规避预防，客观而现实。本文立足于利率市场化的理论方面，对当前我国商业银行的利率风险表现加以深入地梳理，旨在通过商业银行利率风险产生的内、外部诱因把握之上，给予定向的处理举措建议，以此通过理论实践助推国内商业银行现实发展更趋稳定持续。 [关键词] 商业银行；金融业；利率风险；影响；对策 [ABSTRACT] Commercial bank interest rate risk refers to the commercial Banks caused by interest rate changes in the table and off-balance-sheet business risk of losses and gains, is constitute an important part of the commercial bank market risk. From speaking, the current financial market development in our country commercial bank is experiencing innovation development period, a series of reform measures can effectively improve the efficiency of financial resource allocation, encourage domestic growth form with the traditional pattern of extensive economy to intensive economy transformation, but is not of course, in the process of the reform will also different social economic subject within the increasing interest rate risk exposure, if improper handling, easy to produce the negative impact of the economic level. And with deepening financial marketization reform, interest rate volatility in financial markets will be higher, showed a trend of higher frequency, thus produced by the commercial bank interest rate risk will be bigger. If not properly in the process of the development of the implementation of targeted prevention, will be conducive to the sustainable development of commercial Banks, so once again under the macro background in-depth analysis of the domestic commercial bank interest rate risk factors, gives targeted avoid prevention, objective and the reality. In this paper, which is based on the theory of interest rate,