利率市场化对商业银行的影响及应对策略研究

Influence of Interest Rate Marketization on the Commercial Banks of China and Possible Countermeasures

利率市场化的重启和加速推进是中国金融体制进一步深化改革的重大举措,是社会主义市场经济发展的内在要求。深入研究利率市场化对我国商业银行经营管理的冲击及其应对策略,对于促进商业银行摈弃高消耗、低效率、单纯追求规模的外延式增长向多元化价值增值的内涵式发展,对当下中国的市场体系完善和国民经济健康发展具有理论和实际价值。

The quickening interest rate marketization is crucial to the reform of China＇ s financial system and an internal requirement of the development of socialist market economy. A further study of influence of interest rate marketization on the commercial banks of Chi- na and possible countermeasures has much theoretical and practical significance to the management reform of the commercial banks of China and their improvement and sustainable development.