利率市场化对我国商业银行影响及对策

发布时间：2019-06-05 20:59

【摘要】：自二十世纪八十年代来,伴着瓦解的布雷顿森林体系,全球范围内产生了自由化金融的潮流,大多数发展中国家与西方发达国家都陆续实施了市场化利率改革。研究目的是分析我国商业银行市场利率的现状和困难,并力求探讨出行之有效的解决方案,通过经济学、金融学的相关理论等。对国际方面市场化利率的案例进行分析,分别分析了发达国家的市场化利率改革及发展中国家的市场化利率的改革,并探讨了市场化利率对我国商业银行的有利影响及不利影响,从银行业要制定并坚持稳健经营的发展战,商业银行应进行制度改革及市场化利率改革,商业银行要进一步完善和健全内控机制,商业银行要主动防范利率风险等五个方面,提出了我国商业银行应对市场化利率的对策。
[Abstract]:Since the 1980s, with the collapse of the Bretton Woods system, the trend of liberalized finance has emerged all over the world, and most developing countries and western developed countries have implemented market-oriented interest rate reform one after another. The purpose of this study is to analyze the present situation and difficulties of market interest rate of commercial banks in China, and to explore effective solutions through the relevant theories of economics and finance. This paper analyzes the cases of market-oriented interest rate in the international aspect, and analyzes the reform of market-oriented interest rate in developed countries and the reform of market-oriented interest rate in developing countries respectively. This paper also probes into the beneficial and adverse effects of the marketization interest rate on the commercial banks of our country, and from the view that the banking industry should formulate and persist in the development war of steady operation, the commercial banks should carry out the system reform and the market interest rate reform. Commercial banks should further improve and improve the internal control mechanism, commercial banks should take the initiative to prevent interest rate risk and other five aspects, and put forward the countermeasures of China's commercial banks to deal with market-oriented interest rates.
【作者单位】：江苏泰兴农村商业银行股份有限公司;
【分类号】：F832.5;F832.33

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