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利率市场化作为金融自由化的核心,从20世纪70年代起席卷全球,是一国金融深化重要的质的标志。自利率市场化改革以来,我国利率市场化虽带来诸多机遇,但也给商业银行管理和适应能力带来多方面挑战。本文试从利率市场化对商业银行发展的必要性出发,简要介绍我国利率市场化进程,并对中外利率市场化对商业银行影响进行分析,为我国商业银行今后的发展道路寻求对策。
As the core of financial liberalization, interest rate liberalization has swept the world since the 1970s, which is an important qualitative indicator of the deepening of a country’s financial system. Since the market-oriented reform of interest rates, although the marketization of interest rates in our country has brought many opportunities, it has also brought many challenges to the management and adaptability of commercial banks. Based on the necessity of marketization of interest rates for the development of commercial banks, this paper briefly introduces the process of marketization of interest rates in China and analyzes the impact of the marketization of interest rates on commercial banks in China and foreign countries, seeking solutions for the future development of China’s commercial banks.