利率市场化给商业银行带来的风险与防范对策

The Risk for Commercial Banks from the Marketing of Interest Rate and Measures against It

推行利率市场化 ,必然会给商业银行带来选择权、再定价、信用、市场竞争、经营道德等风险。我国商业银行在转轨过程中 ,应主动增强风险意识 ,积极从构建风险管理体系、开发衍生金融工具、提高混业经营能力、完善信用制度、实现信贷与保险有机结合五个方面入手 ,进行有效的防范 。

The marketing of interest rate will inevitably bring the commercial banks the risk of option, fixing the price again, credit, market competition and the morality of operation. Therefore, the commercial banks have to enhance their consciousness of risk positively, build up risk management system, develop more financial ways, improve their operation ability and credit system to assure them to be well in action at their turning point.