论利率市场化的金融创新要求

Financial Innovation Requirement of lnterest-rate-marketization

本文在介绍利率市场化的概念及意义的基础上，分析我国利率市场化进程中的风险暴露，从而引出金融创新是商业银行在市场化过程中提高竞争实力、防范金融风险的根本途径。

On the basis of introducing the concept and meaning of interest-rate-marketization ,the author analyzes the risk exposure during the interest-rate-marketization, then concludes that financial innovation is the ultimate approach for commercial banks to improve their competitive strength and keep away from financial risk in the marketization process.