Deregulation Of Interest Rates And The Solution Ways Of Our Commercial Banks

Deregulation of interest rates is a revolution of the financial system. The purpose of deregulation interest rates is boost the economy and finance. With the independent rights, deregulation of interest rates will bring our commercial banks a lot of financial risks. Revolution of deregulation interest rates and how to deal with the financial risk are the main contents of my dissertation.The dissertation is composed of four segments.The first section is to introduce the definition of interest rate and deregulation.The second section is to discuss the experience and lesson in the practice of the countries in the world. According to our economical present situation, the deregulation of interest rates will bring uncertainly or risk for economy and finance.The third section is to research some solution ways for our commercial banks, this ways can refrain the risks from the deregulation of interest rates. For example, improve the interest rate risk management by commercial banks;set up the systems about how to price;develop the modern products and so on.The fourth section is to draw a conclusion.Anyhow, deregulation of interest rates is an engineering system. When we entered into WTO, deregulation interest rates became very important. Research the ways to improve our commercial banks competitive abilities is necessary;it will help our country to maintain stabilization in the financial system and to establish a better circumstance in the economy.