Research On Management Of Interest Rate Risk Of The Bank Of Ningxia Under The Background Of Interest Rate Marketization

In recent years,our country actively promote market-oriented interest rate reform,have opened up lend to market interest rate,discount market interest rate,currency bond repurchase and cash transaction market interest rates,loan interest rate floating and scope range has expanded,elastic raised interest rates in the market.As our country's monetary and financial authorities---The People's Bank of China,played a leading role in the process of marketization of interest rate.On June 8,2012,The People's Bank of China for the first time,adjust the upper limit of the financial institutions deposit rate floating range of 1.1 times the benchmark interest rate,deposit interest rate cap gradually release marks China's market-oriented interest rate reform has entered a substantive stage.On October 24,2015,The People's Bank of China,the implementation of quasi,a cut of the "double down" policy,at the same time opening bank deposit rates of financial institutions,such as floating ceiling,signs of interest rate marketization in our country has entered a new era.The Bank of Ningxia as stock of city commercial Banks,in terms of total assets or asset pricing,are at a disadvantage in the national financial market.Currently,The Bank of Ningxia basic execution in terms of loan market interest rates,in respect of deposits is simply the interest rates to rise,and combined with the market situation to launch more attractive interest rates certificates and 'China-Arab certificates of deposit',although a short period of time to attract retail money market has a significant effect,but in the long run,this is not really show the market price of the bank deposit interest rates further exposed the interest rate risk of The Bank of Ningxia.From the perspective of the policy interpretation,paper intends to analysis various of the policy conditions and the possibility of interest rate marketization,which leads to this outstanding problem of the interest rate risk and also analysis the problems of interest rate risk management of The Bank of Ningxia through its status.Combining with data of The Bank of Ningxia,paper uses sensitive gap method to analysis the interest rate risk.Finally,paper puts forward suggestions of interest rate risk management for The Bank of Ningxia under the condition of interest rate marketization.