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从上世纪八十年代开始,利率市场化在国际金融市场上形成普遍趋势。我国的利率市场化改革始于1996年,相继放开了银行间同业拆借利率、国债利率,银行存贷款利率决定权扩大,对于商业银行来说,利率市场化是机会与挑战的并存。本文从利率市场化概念及进程入手,分析利率市场化下商业银行面对的机遇和问题以及应对措施。
Since the 1980s, the marketization of interest rates has become a common trend in the international financial markets. The market-based interest rate reform in our country started in 1996 and liberalized successively the inter-bank lending rate, the interest rate of national debt and the interest rate of bank deposit and lending. As for the commercial banks, the marketization of interest rates is a combination of opportunities and challenges. This article starts with the concept and process of interest rate marketization, analyzes the opportunities and problems faced by commercial banks under the marketization of interest rates and the countermeasures.