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利率市场化对我国银行带来的既是机遇又是挑战,尤其对我国商业银行影响较为显著。利率市场化对银行所带来的冲击主要有存贷利差变小、同行竞争激烈,负债波动加大、形成利率风险,信用风险加大、风险管理控制受到挑战,传统业务受到危险等。为了有效应对利率市场化对我国银行所带来的冲击,需要采取有效的措施,如建立科学合理的产品定价机制、创新金融产品和服务、加快推进存款保险制度以及加强风险管理控制等。本文从利率市场化对银行冲击出发,探究应对该冲击的策略,为银行有效应对利率市场化的冲击提供参考。
The marketization of interest rates brings both opportunities and challenges to our country’s banks, especially the commercial banks in our country. The impact of market-based interest rate liberalization on banks is mainly due to the smaller loan-deposit interest spread, fierce competition from peers, greater volatility of liabilities, the formation of interest rate risk, the increase of credit risk, the risk management control being challenged, and the risk of traditional businesses. In order to effectively deal with the impact of the marketization of interest rates on the banks in our country, effective measures such as setting up a scientific and reasonable product pricing mechanism, innovating financial products and services, accelerating the deposit insurance system and strengthening risk management control should be taken. This article starts from the impact of interest rate marketization on banks and explores the strategies to deal with this impact and provides a reference for banks to effectively deal with the impact of marketization of interest rates.