中小商业银行对利率市场化的认知和应对策略——基于对问卷调查的研究

Cognition and Coping Strategies of Small and Medium-sized Commercial Banks on Marketization of Interest Rate——Based on a Questionnaire Study

随着利率市场化改革的推进,相对于大型商业银行,中小商业银行面临更为严峻的挑战。中小商业银行对待利率市场化的态度和看法决定着其如何应对这场挑战,也决定着中小商业银行的未来。调查显示,目前中小商业银行对利率市场化已有充分的关注,对其所带来的影响已有一定的认知,并能在此基础上对其自身的发展提出相应的策略,对应对利率市场化的冲击比较有信心,但仍存在盲目乐观、准备不足的问题。因此,中小商业银行应正确评估利率市场化的风险,加强风险管理,并通过深化内部改革、联合重组扩大规模等途径有效应对。

Along with the advancement of market-oriented reform of interest rates,small and medium-sized commercial banks are facing more severe challenges than the big commercial banks. On the basis of questionnaire research,this paper studied the cognition,thinking and coping strategies of small and medium-sized commercial banks about interest rate marketization. Investigation shows that small and medium-sized commercial banks are confident to deal with the impact interest rate marketization brings,but they are somewhat blindly optimistic,and there is the problem of insufficient preparation,so some corresponding suggestions are given.