商业银行如何应对利率市场化改革

How Commercial Banks Adjust to the Reform in Liberalization of Interest Rate

利率市场化是中国金融体制改革的必然发展。利率市场化后，商业银行将在经营收益，利率风险，业务创新能力等方面面临巨大的挑战。面对这一系列的影响，商业银行必须采取措施，如加强成本控制，加大对信贷风险，利率风险的管理等，以在竞争中求得生存和发展。

The liberalization of interest rate is bound to be carried out in the China's financial system reforms. With the interest rate being liberalized, commercial banks confront great challenges in several aspects such as operation profits, interest rate risks and innovation ability. In order to adjust to the liberalization of interest rate, commercial banks have to take measures to survive and develop in the fu- ture, which involve enhancing cost control, managing credit risks and interest rate risks.