对股份制商业银行利率管理模式的探讨

随着利率市场化的推进,商业银行面临着越来越大的利率风险。股份制商业银行现行的利率管理模式已经逐渐不适应银行业务发展和风险控制的需要。本文讨论了在现行利率模式下存在问题,并参照国际上的先进管理模式,与现实相结合,探讨了建立股份制商业银行新的利率管理模式的一些思路。

With the processing of the interest rate marketization,the commercial banks are facing more and more interest rate risk. To the stock holding commerc ial banks,the present management mode of interest rate is no more adaptive to t he development and risk control of the banks. For these causes,in the paper,th e author discusses some problems of the present interest rate management mode. B y taking some advanced international experience as reference,the author propose s some considerations of building the new management mode for Chinese share hold ing banks.