利率市场化对我国商业银行经营的影响

The Impact of Interest Rate Marketization on the Management of China's Commercial Banks

利率市场化改革是我国经济结构调整和转型的必要前提,是金融改革的核心和关键环节。我国商业银行面临着利率市场化带来的巨大冲击和挑战,对商业银行的资产负债管理能力、业务创新能力、风险管理水平、定价能力以及如何应对市场竞争等方面都提出了更高层次的要求。为此,商业银行要转变经营理念,改善盈利模式,拓展新思路,走差异化发展道路。同时,要不断提高自身管理水平,优化客户结构,实现业务多元化,更要充分利用自身的比较优势,加强金融工具和金融产品的创新,探索出一条适合自身发展的特色化道路,提高利率市场化后的竞争力。

The reform of interest rate market is the prerequisite for the adjustment and transformation of economic structure in China. It is the core and key link of financial reform. China＇s commercial banks facing the interest rate market has brought enormous impact and challenges and make higher requirements to the commercial bank＇s asset liability management, business innovation ability and the level of risk management, pricing power and how to deal with the market competition, and other aspects. So commercial banks should change their management idea, improve profit model, develop new ideas, and take the road of de- velopment. At the same time, it should continuously improve its management level, optimize the customer structure, realize the diversification of business to make full use of its comparative advantages, strengthen the innovation of financial tools and financial products, explore a suitable to develop their own special way, and increase the interest rate market competitiveness.