Interest Rate Risk Control Of Commercial Banks In The Interest Rate Market

Current our country society has already entered into the full period of interest rate marketization, during this period, interest rate risk becomes the largest class of risk in the development of China's commercial Banks. Because the influence of traditional Chinese interest rate regulation, commercial bank interest rate risk, without a proper understanding of the lack of appropriate management solutions. This led to the interest rate market after commercial banks due to their risk awareness, risk prevention and control work, not in use. encountered many difficulties. As a result of a weak awareness of risk, and bring serious adverse effects to the development of bank.Such a market-oriented interest rate environment, interest rate risk management research is very necessary.In the past the development process, the financial markets, financial market development in many countries, are controlled by the state, in the past China's interest rate is limited to the country. As the prices of financial markets, interest rates if its inability to make decisions on their own according to the changes of the market, it's easy to have a limited financial phenomenon. Can also lead to problems such as inefficient investments appear, finally lead to economic increasing serious adverse disturbance. Such cases, the world many economists continue to advocate the implementation of market-oriented interest rate in developing countries. Economists abroad study of interest rate marketization.Representative McKinnon strong "financial repression" and "On Financial Deepening Theory" by Edward Shaw. While under the influence of this theory, changes in economic imbalances and backwardness of some developing countries launched a market-oriented interest rate reform. In the 1980s, many countries have influenced the wave of reform. So far, the market-oriented interest rate reform has developed more than 30 years, while most developing countries have begun to implement market-oriented interest rate reform, it has become a part of the country there is full realization of the interest rate market, which greatly promoted the progress of and the development of modern society.Since 1993, the market-oriented reform of interest rates in 1996, People's Bank of China open interbank rates, interest rates and the official road to market reform.Capital market in our country also appeared in the development of the huge changes, has realized the inter-bank bond market, In the market-oriented reform of interest rate bonds and floating loans from financial institutions.2015 RMB benchmark lending interest rates, "double down" is an important indicator in the development of their trademark, China's interest rate market, so far China's interest rate market is substantially complete.The realization of the interest rate marketization, promotes our country society into a new stage, which makes the commercial bank to face the challenge of further increase, commercial Banks in the environment development must pay attention to the interest rate risk management, through the reasonable interest rate risk management, to adapt to the influence of interest rate marketization, can make the commercial Banks in the process of development to make greater progress.During the study, this paper analyzes the development of China's interest rate market in. And the development of market-oriented interest rates, resulting in the impact of China's social progress and development. Related management method in the commercial bank and its management means to understand and analysis, introduces the related theory of interest rate risk research. Through the empirical analysis method, to understand the current situation and the interest rate risk management problems. Discuss the existing problems, and combined with the development of modern society, the Shanghai pudong development bank interest rate risk prevention forward after interest rate marketization is put forward the corresponding Suggestions. Hope that the interest rate market environment for the development of our country commercial bank to provide more help and support, encourage commercial Banks to adapt to the marketization of interest rate environment better development.