利率市场化条件下商业银行价值管理策略研究

Research on the Commercial Bank Value Management Strategy under the Condition of Interest Rate Liberalization

利率市场化与经济下行、互联网金融同为当前中国商业银行最大的三项挑战,其影响之大,值得深入研究。首先梳理了利率市场化的演进过程,从正、反两个方面分析了利率市场化对商业银行带来的冲击作用;其次深入分析了利率市场化对负债端、资产端、价值端、中间业务端等构成价值创造链条的四个主要因素的影响;最后,提出了价值创造链条全方位创新;强化信贷业务管理;优化资产负债组合管理等相关建议。

Interest rate liberalization, economic downturn and the internet finance are the current three biggest chal- lenges for Chinese commercial banks, it is worth to invest- gate deeply. Firstly, the paper reviews the evolution of inter- est rate liberalization, analysis the impact of interest rate lib- eralization for commercial banks from positive and negative sides, moreover, deeply analysis the influence of interest rate liberalization on the liability, asset, value, intermediate busi- ness, the four main factors which create the chain. Finally, proposes value creation chain overall innovation, consolidate credit business foundation, optimization assets and liabilities combination management and other related proposals.