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利率市场化改革,即资金价格的市场化定价,是市场在资源配置中发挥决定性作用的前提和基础,也是金融市场发展的必然趋势。本文首先分析了我国利率市场化改革的推进历程和发展趋势,指出了利率市场化对商业银行在盈利模式、风险管理、金融脱媒等方面造成的冲击和影响,并从提升创新能力、调整经营策略、加强利率风险管理、强化人才培养等角度提出了对策建议。
Marketization of interest rate reform, that is, the market pricing of capital prices, is the prerequisite and basis for the market to play a decisive role in the allocation of resources and an inevitable trend in the development of financial markets. This paper first analyzes the advancing course and development trend of the interest rate marketization reform in our country, points out the impact and impact of the marketization of interest rate on the commercial banks in terms of profit model, risk management and financial disintermediation, and from the perspectives of improving innovation ability, Strategy, strengthening interest rate risk management, strengthening personnel training point of view and put forward countermeasures and suggestions.