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市场利率长期位居金融领域关注重点项目前列,而在现如今飞经济发展逐步提升的情况下,商业银行在对其本身风险的控制上所面临的挑战也逐渐地加大。如何应对市场化的发展趋势,提升商业银行管理风险的能力也已成为社会热议的话题。对此,本文通过对利率化市场下商业银行利率风险组成的分析,探讨了我国商业银行利率风险管理的思路,并提出了相应完善建议,以期为商业银行经营管理提供有益参考。
Market interest rates have long been among the forefront of key projects in the financial sector. However, with the gradual improvement in the current economic growth, the commercial banks are also increasingly challenged in controlling their own risks. How to deal with the development trend of marketization and improve the ability of commercial banks to manage risks have also become a hot topic in the society. To this end, this article analyzes the composition of the interest rate risk of commercial banks under the market of interest rate, discusses the idea of interest rate risk management of commercial banks in our country, and puts forward corresponding suggestions to improve the management of commercial banks.