本文从发展战略、业务经营模式、内部管理模式、风险管控模式等方面回顾总结了东亚经济体商业银行在利率市场化条件下发展转型的国际经验,并分析了我国利率市场化的特殊性。本文认为,利率市场化给商业银行带来了挑战,也带来了机遇,我国商业银行需在执行与战略层面同步提高应对利率市场化的能力。 This paper reviews the international experiences of commercial banks in East Asia under the condition of market-based interest rates from the aspects of development strategy, business operation mode, internal management mode and risk control mode, and analyzes the particularity of the marketization of interest rate in China. This paper argues that the marketization of interest rates poses challenges and brings opportunities to commercial banks. Our commercial banks need to simultaneously improve their ability to respond to marketization of interest rates at the implementation and strategic level.