浅谈利率市场化对我国商业银行的影响

Impact of Interest Rate Liberalization to China's Commercial banks

利率市场化的深化进程对商业银行的资金运作水平、把握和预测市场利率的能力以及资金管理水平等方面都提出了更高的要求。商业银行需进行经营模式转变,加强利率风险意识,完善利率管理体系,减少对传统业务的依赖,以提升商业银行自身的竞争力,保证长期稳定的发展势头。

The process of marketization of interest rate of commercial banks,capital operation level grasp and predict the ability of market interest rate and level of the fund management and other aspects have put forward higher requirements.Commercial banks need to transition of operation mode,strengthening the interest rate risk awareness,improve the interest rate management system and reduce dependence on traditional business to improve the commercial bank＇s competitiveness,to ensure long-term stable development trend.