通过明确发展定位,改善经营管理,提高风险管理能力,小型银行完全可以应对利率市场化带来的冲击利率市场化是金融市场化改革的必经之路,是提高金融体系资金配置效率的必然要求。但在短期内,利率市场化会不可避免地给银行带来一些冲击。相对于大中型银行,小型银行资产规模小、经营网点少、议价能力低、盈利模式较为粗放、公司治理相对薄弱,受到的冲击也通常更大。很多国家在利率市场化进程中或者完成后的一段时期,出现了小型银行大量倒闭的情况。因此,小型银行做好利率市场化应对是一项系统性工程。 By clearly defining its position, improving its management and improving its risk management capabilities, small-sized banks can fully cope with the impact of interest rate liberalization. Interest rate liberalization is the only way to reform financial markets and an inevitable requirement for improving the efficiency of capital allocation in the financial system . However, in the short term, the marketization of interest rates will inevitably bring some impact to banks. Compared with large and medium-sized banks, small banks have less assets, fewer business outlets, lower bargaining power and a more extensive profit model. Corporate governance is relatively weak and their impact is usually greater. In many countries during the course of the marketization of interest rates or some time after their completion, there have been many small bank failures. Therefore, it is a systematic project that small banks should deal with interest rate liberalization.