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随着我国市场经济改革进程的不断深入,从开始施行利率市场化开始,已经有二十年的时间。在此期间,商业银行也面临着利率风险管理的问题。本文立足商业银行经营实践,在利率市场化大背景下分析利率市场化给商业银行带来的机遇和挑战,并提出相应的管理和控制办法,以期指导理论研究和商业银行经营实践。
With the continuous deepening of the reform process of the market economy in our country, it has been about 20 years since the marketization of interest rates began. During this period, commercial banks also faced the issue of interest rate risk management. Based on the management practices of commercial banks, this paper analyzes the opportunities and challenges that commercial banks bring to the commercial banks under the background of the liberalization of interest rates and puts forward corresponding management and control measures in order to guide theoretical research and commercial bank management practices.