The Impact And Countermeasure Study Of Interest Rate Risk In State-owned Commercial Banks Under The Interest Rate Marketization Reform

Marketization of interest rates is the way to improve macro-control means and effect of China, it is also core content to deepen financial reform. Marketization of interest rates help to improve the financial environment and the operating efficiency of the financial system, promote the potential of economic development. The international interest rate market experience has shown that this is a long and tortuous process, developing countries’economic base is weak, and the ability of resist impact is weak, so it has more rate risk to promote the interest, especially for the enormous impact of the state-owned commercial banks. Therefore, the study of state-owned commercial bank interest rate risk has important theoretical and practical significance under the process of interest rates marketization reform in China.This paper mainly carries on the elaboration through the theoretical analysis method. I use literature methodology, logical law, induction, compared with analysis method and content methodology. Firstly, it introduced the definition of interest rate liberalization, the necessity of the reform of Chinese interest rate liberalization and the process of Chinese interest rate liberalization. Secondly, it introduced the international partial national interest rate marketability reform. It summarized some suggestion that is of meaning to the reform of Chinese interest rate liberalization. Thirdly, it illuminated the opportunities and challenges that our commercial banks will meet under the reforming surroundings. In the last, it was mainly concerned with solutions such as:good interest rate trend analysis, optimize the structure of assets and liabilities; awareness of risk management, to strengthen the culture of the interest rate risk management talent; creation of specialized risk management mechanism, strict implementation of the risk management process; establish and improve interest rate risk internal control mechanisms guard against interest rate risk; actively promote financial futures, options market construction, strengthen the coordination of the peers. Also need a stable macroeconomic environment, improving the financial regulatory and legal systems, improving the transparency of the interest rate policy-making, and maintaining an appropriate foreign exchange management, and promoting the further development of the financial market supporting measures to reduce the adverse effects of interest rate marketization of commercial banks.