The Interest-rate Risk Management Of Our Country's Commercial Banks

Interest-rate risk management is one of the commercial banks' core businesses. Although our country is now placed in the controlled interest rate period, the interest-rate risk is still ineluctable, which is mainly caused by internal and external facts, and the system fact plays an important role in the Interest-rate risk, and thus our country's commercial banks suffer from the clean interest income and the loss of value market for this. Meanwhile further and quickly marketed interest rate steps have a great impact on the commercial banks' external operating environment and internal management, which also puts forward the need of our commercial banks' interest-rate risk management. Therefore, after summarizing the two exterior terms of the controlled interest rate period and the marketed interest rate, the text analyzes the different interest-rate risk that our country's commercial banks are facing with academic and practical methods, and also analyzes the importance of Interest-rate risk management for our commercial banks. After analyzing the western commercial banks' Interest-rate risk management and our country's commercial banks' Interest-rate risk management, an viewpoint is put forward which is to manage the Interest-rate risk in controlled interest rate period and marketed interest rate with different ways and methods, and the text also analyzes the difference between the Interest-rate risk management of the western commercial banks and our country's. Last, a series of problems in the interest-rate risk management of our country's commercial banks are indicated, and then the cause is analyzed, on the basis of which the resolved methods are put forward.