提升中小商业银行利率风险管理与定价能力  

Enhance the Interest Rate Risk Management and Pricing Abilities of Small and Medium Commercial Banks

作　　者：田华茂 

机构地区：[1]成都金融城投资发展有限公司

出　　处：《银行家》2015年第9期82-84,7,共3页The Chinese Banker

摘　　要：在我国由于长期实行利率管制政策,利率相对稳定,商业银行并没有将利率风险作为主要风险进行管理。到目前为止大部分中小商业银行对利率风险的管理主要关注于交易类账户的利率风险,而对银行账户的利率风险并不重视,管理工具和技术也比较落后。然而,近年来,利率市场化改革步伐明显加快。With the quickening pace of market-oriented interest rate reform,the fund price will be ready to change with market conditions and customer demand,and the frequency and the wave amplitude of Interest rate would significantly increase the risk factor,which will be a huge challenge to risk management,pricing method and pricing strategies of small and medium-sized commercial Banks.It is an important part of the core competitiveness of small and medium-sized commercial Banks to enhance the interest rate risk management and pricing capabilities.

关 键 词：中小商业银行 利率风险管理 定价能力 存款保险制度 银行账户 人民银行 贷款利率 利率上浮 缺口管理 大额存单 

分 类 号：F832.33[经济管理—金融学]