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2014年11月22日央行对基准利率的调整,加快了我国利率市场化的进程,但也爆发了由利率变化带了的利率风险,所以对利率风险的管理和控制就显得尤为重要,本文在该背景下探讨了金融机构存在的利率风险、利率风险的管理方法以及市场化进程中利率风险的防范建议。
On November 22, 2014, the central bank’s adjustment of the benchmark interest rate accelerated the process of marketization of interest rates in our country. However, the interest rate risk brought by the change of interest rates broke out. Therefore, it is particularly important to manage and control the interest rate risk. Under this background, this paper discusses the interest rate risk existing in financial institutions, the management methods of interest rate risk and the precautionary measures against the interest rate risk in the process of marketization.