利率市场化进程对我国商业银行的利弊及对策

Advantages and Disadvantages of Interest Rate Liberalization to Commercial Banks of China and Its Solutions

伴随30多年的改革开放,利率市场化已是我国金融体制改革的一项重要内容.从商业银行发展角度来看,利率市场化一方面加快了银行朝着多元化价值增值方向发展的同时,另一方面也给我国银行经营管理造成了一定负面影响.文章针对利率市场化进程对我国商业银行的利弊以及应对策略进行了深入探讨,并给出了一些合理的建议,以促进商业银行能够更好地适应当前发展形势稳步发展.

With 30 years＇ reform and opening up to the outside world,the interest rate liberalization is an impor- tant content of the reform of the financial system in our country. From the perspective of the development of com- mercial banks, on the one hand, the interest rate liberalization has accelerated the development of banks in the di- rection of diversification. On the other hand, it also has a negative impact on the operation and management of China＇ s banks. This paper discusses the advantages and disadvantages of the process of interest rate liberalization in China＇ s commercial banks and the countermeasures. Meanwhile, it attempts to give some reasonable suggestions to promote the commercial banks to better adapt themselves to the current development situation for their steady development.