利率市场化对国有商业银行的影响及防范机制

摘要：利率市场化一直是我国金融货币政策的重点和热点问题。随着我国市场经济的发展，利率市场化改革的进程将大大加快。利率市场化不仅是当今世界全球化的发展趋势，也是我国金融体制改革的大势所趋和客观要求，因此，探讨和研究我国利率市场化改革就有十分重要的现实意义。本文主要采用定性的分析方法，根据中国国有商业银行实行利率市场化这一实际案例进行深入分析，结合现实工作中的突出问题，借鉴国外先进的管理营运理论，对利率市场化问题进行透析。在我国现行的制度下,既存在着对实现利率市场化的有利因素，也存在着制约。
关键词：商业银行    利率市场化     防范机制

Abstract: The interest rates liberalization has been our country finance monetary policy key point and the hot topic. Along with our country market economy's development, the interest rates liberalization reform's advancement will speed up greatly. The interest rates liberalization is not only now the world globalization trend of development, is also our country reform of monetary system ultimately and the objective request, therefore, discusses and studies our country interest rates liberalization reform to have the very vital practical significance. This article mainly uses the qualitative analysis method, implements interest rates liberalization this actual case according to China state-owned Commercial bank to carry on the thorough analysis, in the union reality work prominent question, profits from the overseas advanced management transport business theory, carries on the dialysis to the interest rates liberalization question. Under our country present system, also exists to realizes the interest rates liberalization favorable factor, also has the restriction.

Key Words: Commercial bank   Interest rates liberalization    Guard mechanism

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