Interest Rate Pricing Risk Of Commercial Banks Under Interest Rate Marketization And Countermeasures

With the Marketization of interest rates continues to advance, the risk of interest rate market to commercial banks is increasing,bringing to new challenges for the management of commercial banks. Although the interest rate market began early in Western countries and have developed with more mature, but in our country, Commercial banks can not simply take use of the rate pricing and risk management methods abroad mechanically, Commercial banks should be committed to developing the interest rate pricing method which is in line with our own national conditions. At the same time, Commercial banks should formulate reasonable pricing mechanisms to enhance their competitiveness in the financial market. Commercial banks in the pricing of deposit and lending rates, will face market risk, credit risk, operational risk and liquidity risk, some of the causes of these risks come from the fact that the financial market development is not perfect, and some come from their own imperfect mechanism of commercial banks. Therefore, when Commercial banks is managing the pricing of the interest rate,government should regulate the macroeconomic,regulatory authorities should supervise effectively,and the Commercial banks themselves should improve their management mechanism.in this way,Commercial banks can enhance the ability of commercial banks to withstand risks, broaden the source of profit for commercial banks,and face to the Marketization of interest rates.