Interest Rate Market Risk Strategy Of Commercial Banks Deal With

Commercial Bank of China’s financial market as one force, and its fast development, the state also gives the corresponding preferential development policies, of course, commercial banks have also been effective restructuring of commercial banks is the product of rural credit cooperatives reform newborn. In operation, the commercial banks not only reflected the role of finance may also reflect modern commercial banks possess characteristics. Emergence of commercial banks for the financial services re-injection of fresh blood, is really suitable for the development of commercial financial institutions urgently needed. But the interest rate market deepening reform of state administration gradually liberalized interest rate controls positioning, resulting in earnings primarily to commercial banks for deposits and loans decreased gradually as the core business, and how in this reform environment, successfully weathered the impact of the interest rate market major challenges facing China’s commercial banks, the issue deserves further research scholars.This paper uses the methods of literature, induction, the method of case study method,. Through the marketing theories and practices of interest rate summary, analysis of the marketization of interest rate of commercial banks of the positive and negative effects, analysis of the developed countries and the developing countries of interest rate market reform of our country commercial bank risk management implications, with Shanghai Pudong Development Bank as a case study, the Shanghai Pudong Development Bank the basis of the analysis of SWOT, analyzed from two aspects of qualitative and quantitative interest rate market conditions, commercial banks to improve the prevention of interest rate risk management, science and the use of financial derivatives, avoiding the risk of interest rate, perfect the construction of external regulation environment and financial market and other measures to address the impact of interest rate marketization so this is a feasibility study of meaning.