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利率市场化能够有效提高资源配置效率和金融市场效率,是大势所趋。然而,利率市场化对银行业金融机构尤其对处于改革途中的农信社带来了严峻的挑战。如何应对利率市场化考验,本文提出农信社要加快转型,及早做好准备,全面提升核心竞争力、经营转型、风险管理、金融创新等“五大”能力,以实现自身的长远、可持续发展。
Market-oriented interest rates can effectively improve the efficiency of resource allocation and financial market efficiency, is the trend of the times. However, the marketization of interest rates poses a serious challenge to banking financial institutions, especially those in the process of reform. How to deal with the marketization of interest rates, this paper proposes that rural credit cooperatives should speed up the transformation and prepare early enough to enhance its core competitiveness, managerial transformation, risk management and financial innovation so as to realize its own long-term, Continuous development.