基于利率市场化的商业银行风险控制对策探讨

Discussion about the countermeasures to control the risk of commercial bank based on the marketization of interest rate

利率市场化是市场经济发展的必然要求,是我国利率管理体制改革的既定目标。在当前利率市场化的思路和进程逐渐明晰的前提下,应积极创造条件以推进利率市场化改革的进程,防范和化解利率市场化进程中隐藏的各种风险。根椐中国的实际情况及国外成功经验,提出我国在利率市场化改革进程中商业银行风险控制管理的对策。

The marketization of interest rate is the inevitable requirement of market economy development,is the target of reform of in-terest rate management system in china. Based on the current interest rate marketization idea and process gradually clear,should ac-tively create conditions to promote market-oriented interest rate reform process,prevent and resolve risks hidden in the process of in-terest rate marketization. According to the actual situation and the successful experience of foreign countries in China,put forward the countermeasure of commercial banks in the process of market-oriented interest rate reform in China risk control management.