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随着金融市场的逐步开放,利率市场化进程也将加速推进,利率市场化将对我国商业银行的经营产生全方位的影响,利率市场化使商业银行面临更大的竞争压力,加大了银行损益的不确定性,同时对银行防范风险能力提出了更高要求。如何从容应对利率市场化形势、提高利率风险的管理水平,已成为各商业银行迫切需要解决的问题。
With the gradual opening up of the financial market, the process of marketization of interest rates will also be accelerated. The marketization of interest rates will have an all-encompassing impact on the operation of commercial banks in our country. Marketization of interest rates will put more pressure on commercial banks and increase the pressure on banks Profit and loss of uncertainty, while the bank risk prevention capabilities put forward higher requirements. How to calmly deal with the marketization of interest rates and improve the management of interest rate risks has become an urgent issue that commercial banks need to solve.