Research On Interest Rate Risk Management Of Shanghai Pudong Development Bank

When the commercial bank interest rates continue to promote market-oriented interest rate market on the development of commercial banks has important significance to promote,but if you can not reasonably risk control,the bank will also develop severely adversely affected.Thus,in commercial bank interest rates market-oriented environment,the risk of commercial banks controlled study is very important,which is the key to promoting the progress and development of the bank.Interest rate reform is an important measure of China’s financial market development,having a profound impact on interest rate risk management of commercial banks.To elucidate the mechanism of the internal market and commercial bank interest rate risk management,will be in Shanghai Pudong Development Bank,for example,describes the impact of market interest rate on commercial bank interest rate risk management.Therefore,this article will clarify the concepts of interest rate and interest rate risk,and thus has a basic understanding of the concepts,on this basis,this paper will analyze SPDB Present Situation and interest rate risk management issues in their presence,through research we can see that Shanghai Pudong Development Bank on interest rates risk management system is not perfect,the lack of funding and scientific pricing system and lack of innovation in the management of interest rate risk and other issues in the interest rate risk management.At the same time,this paper will examine the interest rate market realities influence of Shanghai Pudong Development Bank,we find that the interest rate market from several aspects of the Shanghai Pudong Development Bank had a real impact,mainly in the interest rate risk of increasingly complex,savings and loan spreads shrinking financial innovation and the ability to be challenged and so on.Before building the Shanghai Pudong Development Bank’s interest rate risk management system and take corresponding measures,it is necessary to analyze domestic and foreign commercial banks gained useful experience in interest rate risk management,given the market interest rate of commercial banks short time,acquired the interest rate risk management experience is more general,but foreign commercial banks in interest rate risk management but we can learn from,depending on the commercial bank business model,the Anglo-American commercial banks and German and Japanese commercial banks on interest rate risk management,has taken a different interest rate risk management system.Based on these studies,we further propose relevant measures to improve the Shanghai Pudong Development Bank’s interest rate risk management,the ability to raise interest rates in the market-based interest rate risk management.Finally,the research content of this paper will make the appropriate summary and finishing,which made effective and rational policy recommendations.