Commercial Banks To Interest Rate Risk Management

In china, interest rate level must he decided by government and fluctuate because of economic policy.Our banks didn't pay attention to interest risk.However,our commercial banks are facing interest risk, and this risk will enhance with the interest system reform. Chinese banks should learn the skill of controlling interest risk from western countries'banks, and try to find out a good risk -managing way according to the character of our banks.This thesis put forward the management method of the interest rate risk in analyzing interest rate market turning with the theories of the bank interest rate risk according to of foundation, and aim at the management that our country interest rate risk present condition analyze our country interest rate risk possible.This thesis consists of four chapters:Chapter One,The main discussion interest rate market turns with the theories of the bank interest rate risk. With the step-by-step establishment of the system of our country' s market economy and the deepening reforms of the financial system, there springs up a tendency to allow interest rate market. Along with the reformation of the market economy system, the market of the financial system turns the degree to increases gradually, the interest rate management system also starts to enter the reformation process of the type gradually.Chapter Two,Main in the foundation that interest rate risk exsits, put forward the management technique of the interest rate risk. The commercial bank can choose the different from the form manages outside method and property stock certificates turns the technique to interest rate in method in management in inside in watch risk proceeds to evade. The pass of the our country commercial bank interest rate risk management is been still living in developments that enhance the inner-controlled mechanism, still needing the development of the financial market is environmental and perfect with the law.Chapter Three, Put forward according to the present condition of the our country interest rate risk primarily the some of the interest rate risk managementconceive.With the loosening of the interest rate restriction, interest rate risk has become a more and more important risk facing Chinese commercial bankin this paper, the status of the interest rate risk of Chinese commercial bank has been analyzed from both theoretical and empirical point of view; the construction of mechanism, and considered the obstacles.