A Study Of Interest Rate Risk Management In Commercial Banks Under The Conditions Of Market-Oriented Reform Of Interest Rate

Since the 1990s, China has accelerated the pace of interest rate market, with the degree of interest rate marketization deepening of our national economy had a significant impact, while China’s commercial banks as financial markets have also been important microscopic body the impact of interest rate decisions by the regulatory changes by the market, bringing the interest rate risk to the bank but also on the level of China’s commercial banks raised interest rate risk management is a big challenge, and our current commercial bank’s interest rate risk management is not high and there are many deficiencies and shortcomings, the study of how to improve the level of interest rate risk management of commercial banks is very meaningful.In this paper, in order to better study the process of how the interest rate market interest rate risk management to improve the level of China’s commercial banks, first introduced the meaning of the interest rate market and our interest rate marketization process and analyze the interest rate risk in our commercial banking business realized in the form and the opportunities and challenges to China’s commercial banks to bring; secondly using data analysis capabilities to deal with China’s commercial banks interest rate risk, and pointed out that the current situation of China’s commercial interest rate risk management, and analysis of the applicability of the interest rate risk management in our country; Finaily, the foregoing analysis, the strengthening of China’s commercial banks interest rate management suggestions and countenneasures.To sum up, the interest rate market to China’s commercial banks with the interest rate risk has become increasingly prominent, China’s commercial banks risk managers should be fully aware of the interest rate risk and improve their ability to respond to interest rate risk. Interest rate sensitivity gap should adopt management methods based, long-term analysis of aid to gradually raise the level of interest rate risk management of commercial banks.