Research On Interest Rate Risk Management Strategy Of China's Commercial Banks

Aircraft engine The realization of interest rate marketization not only has a huge impact on China's financial market,but also poses great challenges to the operation,profitability and management mode of China's commercial banks.Therefore,it is necessary to learn from the relevant experience and lessons from the foreign interest rate marketization process to guide and combine the problems arising in the process of interest rate marketization in China,and to combine the actual situation in China to try to reduce the commercial banks' exposure to interest rate marketization.The interest rate risk increases the control over interest rate risk.This also has a role to be reckoned with in the banking industry's re-examination of interest rate risk in the process of interest rate liberalization.After the interest rate is marketized,it will inevitably increase the competition among the banking industry.The competition difficulties faced by small and medium-sized commercial banks in this process will be in a more weak position due to their own conditions and control over costs.Therefore,small and medium-sized commercial banks should re-examine their own competitive advantages and disadvantages.To achieve development,they must have a sense of crisis and continuously improve their risk management and control capabilities.In the process of interest rate marketization,China's small and medium-sized commercial banks are increasingly affected by various conditions and factors,so it is necessary to recognize risks and take effective measures.By analyzing the interest rate risk faced by small and medium commercial banks,the countermeasures and suggestions for interest rate risk management are put forward.Therefore,it is necessary to conduct some analysis and research on how to adopt some countermeasures when small and medium-sized commercial banks in China respond to market interest rate risks.Taking the interest rate market as the focus,the paper comprehensively analyzes the measures taken by commercial banks in dealing with interest rate risks through the research of relevant domestic and foreign markets,and analyzes and summarizes their research results.On the foundation.Secondly,in the context of the development of current interest rate marketization,through the combination of theory and practice,the small and medium-sized commercial banks are taken as the research object,and the interest rate risk encountered in practice iscomprehensively analyzed,and the limitations of its countermeasures are pointed out.Sexuality,and based on the international research results in the field,based on the actual national conditions of China,comprehensive analysis and discussion on the identification method of interest rate risk and the tools used in risk management in the current market,and finally on the basis of summary In response to the current interest rate risk,I put forward my own coping strategies and suggestions.