利率市场化中的风险转移与商业银行风险规避

Risk Transfer and Avoidance of Commercial Bank in Interest Rate Marketizing

利率市场化通过对利率管制下扭曲利率的校正 ,实现了资源的有效配置 ,促进了经济增长。然而利率市场化以后 ,基准利率的确定、利率的波动趋势以及外资金融机构的进入 ,将使商业银行面临风险转嫁的可能。商业银行必须适时建立起完善的风险防范和风险管理制度。

Interest rate marketizing realizes efficient resource distribution and accelerates economy growth by revising distorted interest rate in the system of interest rate regulation. The setting of fundamental interest rate, the fluctuating interest rate and the entering of foreign financial institutions, however, give rise to the possibility of commercial banks under the risk transfer. Commercial banks ought to establish complete risk avoidance and management system in time.