利率市场化对商业银行经营的影响与对策  

The Effect of Interest Liberalization on Commercial Bank Operation

作　　者：潘萍[1] 

机构地区：[1]烟台职业学院,山东烟台264001

出　　处：《烟台职业学院学报》2005年第1期44-48,共5页Journal of Yantai Vocational College

摘　　要：无论从西方国家的发展经验 ,还是从我国经济生活的实际看 ,利率市场化都是一个确定不移的趋势。利率作为市场经济下反映资金稀缺、调控资源配置的最有力的杠杆 ,其市场化必将对商业银行的经营产生巨大影响 ,包括在银行的资产负债经营、资金头寸管理、金融产品创新等各方面 ,对此 ,我国的商业银行应当未雨绸缪 ,及早酝酿各种应对策略。Either from the western countries' experience or from the practice of the economy of our country, we can draw the conclusion that interest liberalization is a stable trend. As the strongest lever of the marketable economy, interest can reflect the absence of principals and assign the resource perfectly, so its liberalization imposes a huge impact on the operation of the commercial banks, including bank asset-liability management, funds management and financial product innovation etc. So the commercial banks of our country should pave the way for the reform as early as possible.

关 键 词：利率市场化 商业银行 经营策略 

分 类 号：F832.33[经济管理—金融学]