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我国进行的利率市场化改革开始于1996年,经过20年的探索与改进,利率市场化已经成为我国经济改革中的一项重大变革措施,在金融领域的改革中占有重要地位,成为现代经济和金融发展的核心。利率市场化进行改革是社会金融业不断发展过程中必须经历的一个阶段,是社会发展的客观需求,改革的目的在于推动国家的经济体制改革。但在利率市场化推进过程中,国家的商业银行面临极大挑战。不可否认,利率市场化的改革给商业银行带来很大的影响,在增加机遇的同时,也带来了相应的冲击与挑战。对银行利率风险对冲进行创新是当前的当务之急。本文就对此展开相应的研究,希望能为利率风险管理提供相应的依据。
The market-based interest rate reform in our country began in 1996. After 20 years of exploration and improvement, the interest rate liberalization has become a major reform measure in China’s economic reform. It has played an important role in the reform of the financial sector and has become a modern economy and The core of financial development. The reform of market-based interest rates is a stage that must be experienced in the continuous development of social finance. It is an objective demand for social development. The purpose of the reform is to promote the reform of the national economic system. However, in the marketization of interest rates, the state’s commercial banks are facing great challenges. Admittedly, the marketization of interest rate reform has brought great influence to commercial banks. While increasing opportunities, it has also brought corresponding shocks and challenges. Innovating bank hedge against interest rate risk is a top priority. This article has carried on the corresponding research to this, hoping to provide the corresponding basis for the interest rate risk management.