Risk Management Of Interest Rate Market In Rural Bank Interest Rates

With market-oriented interest rate reform gradually, of benefit to the bank at the same time, followed by all kinds of risk, interest rate risk is the biggest risk in China’s banking industry. In the process of marketization of interest rate, the interest rate will gradually increase, the volatility and frequency of the interest rate risk, and village Banks as a new type of financial institutions, late start, weak foundation, lack of professional talent team, etc., when dealing with the interest rate risk will inevitably some puff. In the face of the interest rate risk and to compete with other commercial Banks, thus improve the village bank interest rate risk management, can effectively avoid interest rate risk, improve the comprehensive competition ability.Although in recent years, village Banks to strengthen the attention to the interest rate risk management, but because our country interest rate controls for a long time, which leads to the Banks in interest rate risk management foundation is weak. How to effectively measure and manage interest rate risk is the center of gravity of the development of rural Banks at present stage. Village bank interest rate risk management is weak, how to lift interest rates higher risk village bank interest rate risk management ability, in this paper, the problem as a starting point, through the review of related literature at home and abroad, combining with the related theory of interest rate risk and interest rate risk management, focus on the interest rate risk management of interest rate risk management methods and measures. A village bank in hunan as an example, according to the five steps of interest rate risk management, mainly in the identification of interest rate risk, interest rate risk management methods and implementation, interest rate risk management evaluation of three aspects carries on the detailed analysis and research, to understand the current situation of village and town bank interest rate risk management. Combined with the collected data, the use of interest rate sensitivity gap model, the village and town bank interest rate risk measure, according to a recent domestic Banks asset-liability ratio, capital adequacy ratio and village Banks were analyzed, in terms of interest rate risk identification analysis of village Banks in interest rate forecast, the interest rate risk measurement problems, in terms of interest rate risk assessment analysis of village Banks in asset-liability ratio, capital adequacy ratio, the choice of interest rate risk management methods and implementation aspects, villages and towns in such aspects as capital, talent, technology, methods, there is not enough, prevent the effect of village and town bank interest rate risk management, and combined with these problems, proposed in view of the village Banks practicable measures, improve the interest rate risk management ability.