利率市场化对商业银行的影响及应对策略论文

本科论文摘 要利率市场化在完善金融市场等方面发挥着重要的作用，对于完善金融体制方面的改革起到了至为关键的作用。近年来，利率市场化改革的进程日趋猛烈，我们选择以市场为导向的利率市场化改革有利于利用市场的导向作用，提高资源的合理有效配置；有利于防范金融风险，稳定金融市场秩序。此项改革能够将商业银行的自主权扩大，有效的为金融体制的创新提供有利的各项条件，使金融机构产生竞争效益，从而进一步完善我国商业银行的经营机制等。与此同时，利率市场化对商业银行也会带来一系列的风险。因此，当前情况下我们应该努力研究和思考利率市场化改革对我国商业银行带来的影响及我们应该采取哪些应对措施。本文交代了利率市场化具体的内涵 ,利率市场化改革的相关进程及目标，并又深度研究剖析了我国及国外各商业银行在利率市场化这个大背景下影响带来的一系列风险,最后提出了商业银行有效应对利率市场化的相关策略和应对措施。关键词：商业银行，利率市场化，应对策略，利率风险本科论文AbstractThe marketization of interest rates has played an important role in improving financial markets and has played a crucial role in reforming the financial system. In recent years, the process of interest rate marketization reform has become increasingly fierce. We choose a market-oriented interest rate liberalization reform that is conducive to taking advantage of the market's guiding role and improving the rational and effective allocation of resources; This reform can expand the autonomy of commercial Banks, effectively provide favorable conditions for the innovation of financial system, make financial institutions produce competitive benefits, so as to further improve the operating mechanism of commercial Banks in China. At the same time, the marketization of interest rate will bring a series of risks to commercial banks. Therefore, under the current circumstances, we should work hard to study and think about the impact of interest rate marketization reform on China's commercial banks and wha...