Research On Risk Management Of Commercial Banks Of China Under The Condition Of Interest Rate Marketlization

Market-oriented interest rate reform is an important part of financial reform in our country. Market-oriented interest rate reform in our country started in 1996,then it continues in our country and it has been going on for nearly 20 years. The pace of market-oriented interest rate reform has accelerated in recent years, it has attracted more attention and will bring major challenges to the operation and management of commercial banks, the risk management ability of commercial banks will face a severe test.The risk management of commercial banks is complicated system engineering, commercial banks need take measures to improve the risk management ability from aspects of structure, system to build a comprehensive risk management system. This paper studies the problems of risk management under the background of interest rate marketlization. This paper introduces the process of our country interest rate marketlization and the latest progress of the marketlization of interest rate and the characteristics of interest rate liberalization in China. The risk situation of China's commercial banks under the condition of interest rate marketlization is analyzed and the risk of four aspects is analyzed,including credit risk, liquidity risk, capital adequacy risk and operational risk.The paper finds out the problems in the current situation and analyzes the causes of the problem from two aspects of internal and external. Next the paper takes the empirical analysis of the method to analysis of the risk of commercial banks in our country, the commercial bank's risk assessment. Select index, establish risk evaluation index system, then collect data, determine the weight of the index,select the sample bank, calculate the risk score of the sample bank, evaluate the risk of the commercial bank risk, and the importance of the risk management.Finally, according to the research results of the above chapters, the paper puts forward the countermeasures and suggestions of risk management.