| 商业银行应对利率市场化探析 |
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| 引用本文： | 臧德先.商业银行应对利率市场化探析[J].山东行政学院山东省经济管理干部学院学报,2005(2):98-100. |
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| 作者姓名： | 臧德先 |
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| 作者单位： | 中共烟台市委党校,山东,烟台,264000 |
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| 摘 要： | 由于受利率市场化影响,我国商业银行信贷经营面临资产重新定价的问题,要加强资金头寸管理和利率缺口管理,进一步规范金融同业竞争秩序。商业银行应对利率市场化的对策主要是建立高效的现代利率管理机制,建立科学合理的本外币存贷款定价机制,加大中间业务和金融产品创新力度,建立完善的利率风险内控机制,积极推行资产证券化业务。
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| 关 键 词： | 商业银行 利率市场化 利率风险 资产证券化 |
| 文章编号： | 1008-3154(2005)02-0098-03 |
| 修稿时间： | 2004年10月15 |
On the Countermeasures of Commercial Bank in Reply to the Marketization of Interest Rate |
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| ZANG De-xian.On the Countermeasures of Commercial Bank in Reply to the Marketization of Interest Rate[J].Journal of Shandong Administrative College and Shandong Economic Management Personnel College,2005(2):98-100. |
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| Authors: | ZANG De-xian |
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| Abstract: | For the influence of the marketization of interest rates, the credit and operating of Chinese commercial banks are facing the problem of revaluation of the assets. To solve it, we should strengthen the management of the money supply and rationalize the horizontal competition of finance industry. The countermeasures are following: setting up the effective modern management system of interest rates, rational pricing mechanism of saving and loan of home and foreign currency and the perfect internal control mechanism rate risk, promoting the innovation of intermediary business and assets securitization. |
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| Keywords: | Commercial Bank Marketization of Interest Rate Rate Risk Assets Securitization |
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