摘 要
现阶段我国中央银行全面放开金融机构贷款利率管制。利率市场化将给我国商业银行带来巨大的挑战，造成经营模式转变、利差收入的缩小、利率风险和信用风险的增加。商业银行应该在借鉴别国经验的基础上发展中间业务、推动替代性金融产品发展以及加强成本管理完善利率风险管理体系等措施来积极应对利率市场化所带来的挑战。本文首先从两个方面解释了利率市场化的含义，其次详细分析我国利率市场化的发展进程，明确我国利率市场化的发展现状。第三部分分析利率市场化对我国商业银行所带来的挑战。最后部分我国商业银行吸取别国风险管理经验制定出适合本商业银行风险管理建议，使得我国商业银行竞争能力得以提高，促进经济发展需求。本文的写作重点是利率市场化对商业银行的挑战，商业银行采取积极的应对措施。二十世纪70年代至今，国外一些大型商业银行在风险管理机制建设方面积累了丰富的经验。但是，我国商业银行的风险管理意识和机制迄今仍然比较薄弱和脆弱，以至于商业银行资产质量状况一直难以得到根本改善。因此，研究国外商业银行的风险管理显得尤为重要。
关键词 利率市场化；商业银行；风险管理；挑战；应对措施
Abstract
The market-oriented interest rate is the central bank to relax controls on interest rates, will decide the right interest rate to the market by the market, according to market factor is the supply and demand of funds, to autonomously determine price of funds through the pricing mechanism of certain. In 1993, the Third Plenary Session of the fourteen Committee of the Communist Party of China put forward the basic idea of the market-oriented interest rates. In 1996, the formation of the national unified interbank interest rates began the process of interest rate market-oriented. After our country joins WTO, the domestic financial market is faced with new forms, the original interest rate regulation defects begin to appear. At present, most countries and regions in the world have realized the interest rate market-oriented, the market-oriented interest rate in China relative to the market price is relatively lagging behind other factors. The interest rate market-oriented reform has become an inevitable. Along with the progress of the market-oriented interest rates, the Commercial Bank of our country is facing a serious impact of interest rate market-oriented and great challenge. Commercial banks to adjust their strategy according to their own situation, change the management mode of operation, and enhance the competitiveness of enterprises, so as to promote balanced economic development. This paper first explains what the interest rate market, a detailed analysis of the current situation of China’s market-oriented interest rate is and the process of interest rate market-oriented in china. Then we describe the market-oriented interest rate on the impact of China’s commercial banks from commercial banks, to take positive measures to face the enormous challenges, to promote the economy is of great significance to the development of the constant.
Key words The market-oriented interest rate；Commercial Bank；Risk management；Challenge；Solution ways
目录：
- 利率市场化进程
- 利率市场化下商业银行所面临的挑战
- 利率市场化下商业银行的风险管理
- 结论
