加入WTO后国有商业银行利率风险的控制与管理

The Interest Risk Control of State-owned CommercialBank after China Access to WTO

随着中国加入WTO的可能性转化成现实性,国内银行,特别是长期处于政府保护下的国有商业银行将面临一个迥异的经济环境。加入WTO两年后外资银行即可对中国企业开展本币业务,5年后可经营零售业务,中国的金融管制也将逐步放松:如放开利率管制、开放资本项目等等。金融业的对外开放可能孕育着一系列风险,利率风险就是其中的一种。

The interest risk control of state-owned commercial bank is an important part when Chinese finance industryopen to the world. It is natural to deregulate the interest rate and based on the supply and demand power to decide the interestrate. During the process of open the fiance market,how to lake an effective measure to manage and control risk is the most im-portant challenge faced the commercial bank.