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改革开放以来,我国国民经济迅速发展,并呈现出前所未有的发展态势。在经济发展的巨大推动力作用下,迎来了利率市场化的巨大变革。利率市场化从1996年开始至今,经过了八年的发展变化进程,并不断的走向完善和成熟。当前利率市场化在发展进程中也经历了各种各样的问题,对我国的商业银行造成了重大的影响,有机遇也有挑战,发展机遇与挑战并存。基于利率市场化带来的巨大冲击,我国各大商业银行采取合理措施和方法进行利率风险控制和管理是当前工作的重点。
Since the reform and opening up, the national economy of our country has been developing rapidly and showing unprecedented momentum of development. Under the great impetus of economic development, great changes have taken in the marketization of interest rates. Since 1996, the marketization of interest rates has gone through eight years of development and changes and has been constantly improving and maturing. The current marketization of interest rates has also experienced various problems in the course of its development. It has had a significant impact on the commercial banks in our country. There are opportunities and challenges as well as development opportunities and challenges. Based on the tremendous impact brought by the marketization of interest rates, the major commercial banks in our country take reasonable measures and methods to control and manage interest rate risks.