利率市场化背景下地方法人金融机构风险与策略——以石嘴山市为例

The Risks and Strategies of Local Corporate Financial Institutions under the Background of the Interest Rate Marketization——A Case of Shizuishan City

2013年7月20日,中央银行全面放开贷款利率管制,这是利率市场化的又一重要里程碑。利率市场化的快速推进,对金融机构经营自主性和资金配置效率有了更高的要求,大型银行凭借其完善的风险管理能力成功应对利率市场化的冲击,但以利差为主要利润来源的地方性法人金融机构,受规避利率风险工具匮乏、自身规模、人才短缺等因素限制,经营发展面临严峻考验。本文对石嘴山市地方法人金融机构应对利率市场化现状进行分析,并提出相关建议。

The central bank declared a full release of loan interest rate control on July 20, 2013, which marked another important milestone in interest rate marketization. The rapid advance of the interest rate marketization proposes a higher request for the indepen-dent operation and the capital allocation efficiency of financial institutions. Large-sized banks are able to successfully handle the im-pact of interest rate marketization through their sound risk management capacity. While the local corporate financial institutions whose main profits come from the interest margin will face serious test due to restraining factors such as lack of interest rate risk aversion tools, the scale and talented staff and so on. The paper analyzes the present situation that the local corporate financial institutions re-spond to the interest rate marketization in Shizuishan city and puts forward related suggestions.