The Research About Management Strategy Of Commercial Bank In The Cycle Of Rising Interest-rate

In the 8-year cycle of dropping interest-rate,commercial bank have formed special term structure of interest rate.the converse of interest-rate makes commercial bank encountered risk and benefit.Under this background,this paper further researched the transformation of management tactics of commercial bank.There are two impacts upon commercial banks by the cycle of rising interest-rate.The disadvantage mismatch risk of assets and abilities;raising credit risk and adverse selection problem;decreasing balance of spread about deposit and loan;embedded option risk;dropping price of bond cause the benefit of commercial bank reduced.Advantage made by the rising cycle is:increasing the capital resource of commercial bank; improving the price system and financial innovation;strengthening the ability of benefit and resistance to risk.Then the paper raises management strategy of china comssmercial banks in the cycle of rising interest-rate to deal with the disadvantages.According to the current situation of china commercial banks.proposes the detailed countermeasures.which includes the ideas of adjusting the income structure.changing the mismatch of term structure and the model of forecasting interest rate.On the basis of management strategy.the paper poses some policies and advices'promote the process of marketization of interest rate;develop innovation financial products;loosen the regulationg about interest rate;clear away the obstacles of assets securities.