利率市场化对我国中小商业银行的影响

我国从1993年明确了利率市场化改革方向以后，央行将利率市场化作为一项重要内容提上金融体制改革日程。目前，我国利率市场化改革成绩初显，利率管制逐渐放松，某些利率如同业拆借利率已经实现了市场化。但是，同西方发达国家相比，仍然任重道远。随着利率市场化的不断深入，利率市场化对中小商业银行经营风险和业务模式的影响逐渐显现。本文对我国利率市场化进行概述，然后从多个层面分析利率市场化对我国中小商业银行产生的影响，最后从政府和中小商业银行两个方面提出中小商业银行应对利率市场化的策略。

关键词：利率市场化；中小商业银行；利率风险；业务创新

Influence of Interest Rate Liberalization on Small and Medium Sized Commercial Banks
ABSTRACT

With the clearing of direction of liberalization of interest rate from 1993, the central bank took liberalization of interest rate as an important content putting on financial reform agenda. At present, China's liberalization of interest rate has achieved initial results, and control of interest rate has been gradually relaxed, and some interest rates as interbank lending rate have realized the liberalization. But compared with the developed countries of the west, it is still a long-term task. With the deepening of the liberalization of interest rate for the small and medium-sized commercial banks, the effect appears gradually. This paper will take an overview of interest rate liberalization, and then analysis the impact of interest rate liberalization on the small and medium-sized commercial banks from multiple perspectives, and lastly put forward the strategy for   the small and medium-sized commercial banks to response to interest rate liberalization from two aspects: the government and the banks themselves.
 
Key words: liberalization of interest rate; the small and medium-sized commercial banks; Interest rate risk; business innovation

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