利率市场化与我国商业银行风险控制

Interest Rate Marketization and Risks Control of Commercial Banks in China

在我国，利率市场化已成为不可逆转的发展趋势。根据世界各国的经验和教训，利率市场化是一个相当复杂的系统工程，它影响面广、涉及面大。商业银行作为金融体系的主要成员，更容易受到利率市场化风险的冲击。如何防范和控制这些风险，是摆在商业银行面前的现实问题。

Nowadsys, we are quickening the reforming pace of liberalization of interest rate, the liberalization of interest rate has been the developing tendency which can' t be changed. According to experience and lesson of each country all over the world, the liberalization Of interest rate is a complicated system project. in addition, the scope that can influence and involve is large. The commercial banks, as the main member of finance system, will be influenced and contain risks easiler. How to guard against and conrtol the risks is a realistic problem appearing is front of commercial banks.