利率市场化条件下商业银行利率风险管理的研究

Study on the Interest Rate Risk Management of Commercial Banks in the Interest Rate Market

我国商业银行起步较晚，但是发展进程非常迅速，这会形成商业银行风险的积累，特别是在利率市场化的条件下，商业银行如何进行风险控制，如何实现对利率风险的全面控制与管理成为核心的问题。通过分析利率市场化给商业银行带来利率方面的冲击和影响，提出了资产结构调整、负债结构调整、金融衍生品创新、完善内控机制、加强人员专业培训、培育风险管理文化等建设商业银行利率风险管理新机制的措施与方法，以期加强商业银行科学管理、风险防范等工作。

Our country commercial bank started late,but the development process is very rapid, which will form the accumulation of commercial bank risk,especially under the condition of interest rate marketization,the commercial bank how to control the risk, how to realize of the interest rate risk of comprehensive control and management has become the core of the problem. Through the analysis of the interest rate marketization brings the impact and influence of the interest rate to commercial banks,and puts forward the adjustment of asset structure,debt restructuring, financial derivatives innovation,perfect internal control mechanism, strengthen professional training,cultivation measures and methods of risk management culture construction of commercial bank interest rate risk management mechanism,in order to strengthen the scientific management for commercial banks,risk prevention and other work.