城市商业银行应对利率市场化的策略选择

Studies on the Trend of Marketization of Interest Rate and the City Commercial Banks' Strategy

利率市场化是我国市场经济发展的必然趋势,而城市商业银行在利率市场化中面临着种种挑战。城市商业银行如何应对利率市场化,本文提出完善法人治理结构,运用缺口和持续期管理技术合理地控制风险,建立科学高效的贷款定价体系等策略,以规避利率市场化风险,实现城市商业银行的可持续发展。

The trend of interest rate marketization is bound to unavvidable with the rapid advance in market economy in China, in which city Commercial Banks will face all kinds of challenges. On how to meet the challenges of interest rate marketization, this paper propases perfecting the corporate governance, reasonably controling the interest rate risk with funding gap and duration gap and establishing the loan pricing system scientifically and efficiently, to avvid risk in interest rate marketing and achieve the sustairable develvpment of these banks.