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利率市场化改革将会给商业银行的发展带来重大影响,如何应对利率市场化进程的推进、如何在激烈的市场竞争中立于不败之地,成为每一家商业银行重点关注的问题。本文即围绕利率市场化对我国商业银行的影响及其应对策略展开研究,首先对利率市场化进行了概述,给出了利率市场化的概念以及其推行的必要性,其次对利率市场化给我国商业银行带来的影响进行了分析,并在此基础上,有针对性地给出了利率市场化背景下商业银行的应对措施,具有一定的现实意义。
The market-based interest rate reform will have a significant impact on the development of commercial banks. How to deal with the advancing marketization of interest rates and how to remain invincible in the fierce market competition has become a key issue that every commercial bank pays attention to. This article focuses on the impact of the marketization of interest rates on China’s commercial banks and their coping strategies. First of all, it makes an overview of the marketization of interest rates, gives the concept of marketization of interest rates and the necessity of its implementation. Secondly, Commercial banks, and on this basis, gives a targeted response to commercial banks in the context of interest rate liberalization, which has some practical significance.