利率市场化对商业银行个人理财业务的影响

Impacts and Countermeasures of Interest Rate Marketization on Personal Financial Business of Commercial Banks

随着我国利率市场化进程的加快,金融市场将发生根本性的改变,且商业银行的经营管理也会受到很大影响。文章主要就利率市场化对商业银行个人理财业务影响进行了探讨,提出了利率市场化对商业银行理财业务既是机遇又是挑战的观点。在利率市场化背景下,商业银行应该建立各种保险制度,提高风险损失应对能力;积极借鉴外国利率定价模型,提升理财产品定价能力;加强理财创新指标量化管理,加大理财业务创新能力;大力培养复合型理财人才,提高理财业务综合实力;建立健全理财业绩考核体系,提升理财业务创新能力;细分目标客户定制私人银行理财,提高个性服务能力;打造理财产品特色品牌,提升营销竞争能力;实现向中间业务转型,增强综合经营能力。

With the process of interest rate marketization speeding up in China, financial market will undergo a fundamental change, and the management of commercial banks has also been greatly affected. This article mainly discusses the impact of interest rate marketization on personal financial business of commercial banks, and puts forward this view that interest rate marketization is not only a challenge but also an opportunity to the personal financial business of commercial banks. Under the background of interest rate marketization, this arti- cle thinks that commercial banks should set up various insurance system and improve the ability to deal with the risk of loss ; Actively learn from the foreign interest rate pricing model, and enhance the ability of financial products pricing;Strengthen the quantitative management of financial innovation index, and increase the inno- vation ability of financial business ; Vigorously cultivate financial professionals, and improve the comprehensive strength of financial business;Establish financial performance evaluation system, and promote financial busi- ness innovation ability ; Create the characteristic brand of financial products, and improve the marketing compe- tition ability;Realize the transformation to the intermediate business, and strengthen the comprehensive man- agement ability.