摘要
2015年底,中国人民银行宣布对商业银行和农村合作金融机构等不再设置存款利率浮动上限,这标志着利率市场化的改革完成,利率市场化将给商业银行带来风险和机遇。在分析利率市场化改革的原因,以及对商业银行风险管理带来的影响后,提出了相应的对策。
By the end of 2015, People＇s Bank of China announced that the upper limit of the floating interest rates on deposits is no longer effective for commercial banks and rural cooperative financial institutions, marking the completion of the reform of the interest rate marketization, which will bring risks and opportunities for commercial banks. Countermeasures are proposed after analyzing the reasons for the interest rate market-oriented reforms and the impact on commercial bank risk management.
出处
《浙江工商职业技术学院学报》
2016年第2期35-37,共3页
Journal of Zhejiang Business Technology Institute
关键词
利率市场化
风险管理
商业银行
风险规避
interest rate marketization
risk management
commercial banks
risk avoidance
