在利率市场中国家积极的执行着宏观调控职能所发行的货币量,这样对行业的利率发挥着间接性的调节作用,在这个过程中,随着市场经济的发展,商业银行已经成为主要的竞争对象。本文探讨了利率市场化的效用对商业银行的影响,就如何去防范利率市场下给商业银行带来的各种风险,成为了商业银行想要迫切解决的问题。 In the interest rate market, the state actively implements the amount of money issued by the macro-control function, thus playing an indirect regulatory role on the interest rate of the industry. In this process, with the development of the market economy, commercial banks have become the main competition Object This article explores the impact of the interest rate marketization on commercial banks. How to prevent the various risks brought to commercial banks under the interest rate market has become an issue that commercial banks urgently need to solve urgently.