In The Process Of Interest Rate Marketization Of Commercial Bank Interest Rate Risk Management Research

Most of developing countries has financial problem Repression in the world. It is because of economical long-term development. They said that the control of interests rate which should be controlled by market. According to this theory, many countries have lost the control of interest rate and it speeded up the economical development.China has began to put interest rate marketization from1992.Through the efforts is of more than ten years, People’s Bank has119kinds of interest rates and still controlled29kinds. People’s Bank has enlarged a motion range of interest rate and adjusting interest rate system which began to criterion. Now in the society the step of interest rate marketization has more and more quick and this will come true sooner or later.Because of our country’s policy to controlling interest rate for a long term, Commercial banks had no power to decide the interest rate which has decided by People’s Bank. So they lacked of the experience of interesting rate risk managements. So we still ignored interest rate risk after interest rate the marketization, It will bring a lost to the commercial banks. This paper mainly discusses a interest rate risks after interest rate marketization in most of China and It introduces some useful methods of interesting rate measurement and some management. It gives some useful suggestions to commercial banks at last, so it has very important meaning.