Under The Marketization Of Interest Rate Of Our Country Commercial Bank Interest Rate Risk Managementresearch

Interest rate as the price of money and more attention, the market can determine the degree of allocative efficiency of financial resources. Interest rate reform called the core of China’s financial reform, the slogan of the interest rate market-oriented reforms have been proposed over ten years, but most remain in the academic research and papers, the real interest rate marketization reform of substantive progress in just the past two years thing.Market interest rates affect the situation as a whole, far-reaching, comprehensive strength in all aspects of the business model and business structure of commercial banks will also be a fiasco. In particular, China’s market-oriented interest rate reform unceasing advancement, the impact on China’s commercial banks is also growing, there are both opportunities and challenges. In the end how to prevent and control risks in the increasingly fierce market competition tide seize opportunities, and effective solution to this problem is essential for the development of commercial banks.As a product of the wave of financial liberalization, interest rate market interest rate pricing makes the shift from government to market, improve capital efficiency and also increase the risk of commercial bank management. For a long time, China’s commercial banks are under interest rate controls, the emphasis on interest rate risk management is not enough. And accelerate the process of marketization of interest rates but then the ability to interest rate risk management of commercial banks made more stringent requirements. Financial institutions should actively adapt to the market pricing of interest rate, based on market supply and demand, combined with the term, credit and other risk factors to determine a reasonable deposit and loan interest rates. Improve the pricing mechanism construction, improve the level of service differentiation, commissioned by the contract relationship. Strengthen the financial hard constraints and the interest rate risk management, to ensure the effective implementation of internal control measures. The interest rate risk management in commercial banks in China the status quo, the commercial banks to interest rate risk control and management level is not high, less experience, embodies a concentrated reflection of single in some management means and speed of response to fluctuations in interest rates slow, absorbing some of the advanced countries of the appropriate conditions it is very the necessary.Throughout the interest rate risk management in China’s commercial banks, most commercial banks are inexperienced interest rate risk management, the level of interest rate risk management lags far behind in the interest rate market requirements, and therefore how to improve the level of interest rate risk management of commercial banks in the future will be for some time in the need to focus on solving the issue.