Research On Interest Rate Risk Management Of LW Rural Commercial Bank In The Interest Rate Marketization Environment

The 21 st century with China's accession to the wto,China's market economy in rapid development period,with perfect financial system,the interest rate for the development of the economy,the importance of increased year by year,our country banking industry already gradually to the market interest rates.As an important part of the financial industry,the interest rate is always the focus in the industry,along with the social development,the interest rate by the former government regulation system,and gradually enter the market system,on the one hand,the system more scientific,can to meet the needs of times development,on the other hand is also brought bigger risk,makes it hard for interest rates steady,interest rate risk increase gradually,eventually making the interest rate risk become one of China's financial sector need to evade the risk of current.To comprehensively manage the current interest rate problem of China's commercial Banks,and to promote the establishment of a timely interest rate risk protection system,so as to improve the competitiveness of the Banks.LW rural commercial bank is a local commercial bank.With the development of local economy,the benefits of LW rural commercial bank have been gradually improved,which has become an important force that cannot be ignored.However,LW rural commercial bank has a short establishment period and weak risk avoidance.How to improve the awareness of prevention and avoid possible interest rate risks is of great significance to the future development of LW rural commercial bank.At home and abroad,this paper advanced concepts,combined with the situation of LW rural commercial bank,trying to for LW rural commercial bank interest rate risk response to the current system,comprehensive analysis for risk avoidance system deficiencies,to targeted put forward the feasible suggestion after analysis,to promote the LW rural commercial bank to make necessary contribution to the development of bank.Paper expounds this article is divided into the following parts,the first,in this paper,the purpose of this writing,for a brief overview of relevant theories at home and abroad,and the writing methods are detailed introduced in this paper,the escort for thesis writing.Secondly,introduce the relevant theoretical concepts,and provide the necessary theoretical support for the thesis writing.Third,build a diversified analysis framework,analyze the current problems of LW rural commercial bank in interest rate risk management,and find out its shortcomings.Fourthly,according to the problems exposed by LW rural commercial bank,this paper makes a targeted analysis and gives some practical measures to give some enlightenment to the development of LW rural commercial bank.