An Empirical Study On The Impact Of Interest Rate Marketization On Interest Rate Risk Of China 's Commercial Banks

Market-oriented interest rate reform is an important means of improving macroeconomic regulation and control and the important way in our country at present, and it is also one of the core content of deepening the reform of the financial. At present, the interest rate marketization process has entered the final stage, the deposit insurance system to the marketization of interest rate to complete the draft. However, in the process of the reform, how to according to the characteristics of effective scale and run the Banks themselves, reasonably managing interest rate risk is the key to the development of Chinese commercial Banks. It is an important evaluation standard of our country interest rate marketization reform efforts. This article attempts from the analysis of the two types of commercial Banks in our country, compared to the interest rate risk faced by large joint-stock commercial Banks and small and medium-sized commercial Banks in the impact of interest rate liberalization. Through the empirical analysis and comparative analysis to draw a conclusion. Finally to our country of the different types of commercial bank interest rate risk management of interest rate marketization and the countermeasures are also proposed. According to the international experience of interest rate liberalization, interest rate reform trial-produce talk is a long and tortuous process, especially for developing countries, to promote market-oriented interest rate is more complexity and risky, because its financial development to a high degree of monetary authorities since the open reform must take a more scientific approach. Therefore, to promote the process of marketization of interest rate in our country, the in-depth study of the state-owned commercial bank interest rate risk has important theory value and practical significance.