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Study on the Risk Management of Our Commercial Banks’ Interest Rates

Author: YuanZuo
Tutor: ZhangQuan
School: Tianjin University of Finance and Economics
Course: Finance
Keywords: Commercial Bank Interest Rate Marketing Interest Rate Risk Risk Mangement
CLC: F832.2
Type: Master's thesis
Year: 2010
Downloads: 167
Quote: 0
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Abstract


There is 14 years since China has been the implementation of interest rate deregulation at 1996. The period of all kinds of interest rate determined by the market factors is coming. From the experience and empirical analyses after the changing of interest rate determined by the market-oriented factors, the volatility of the interest rate will increase, which will increase the interest risk faced by the commercial banks. So how to protect the interest rate risk is a very urgent problem to all the commercial banks. Nowadays China’s commercial banks’ main income still comes from the spreads of deposit and loan, so Interest Rate Marketing will make commercial bank’s income more instability. Learning from foreign experience, enhance interest rate risk management has become a very urgent and resolved issue for China’s banking industry. Commercial banks are the backbone of our financial system. It is played a very important role for China’s financial stability and economic growth. Therefore research on the commercial’s banks’ interest rate risk management and improve its manage level is very useful and great significance.On the basic of those facts, the method of combination of theory and practice has been used in this paper. Firstly, it is the introduction of some theories and concepts about interest rate risk management and knowing the currently study results about the domestic and foreign interest rate management. And Make an analysis on our commercial banks’ interest rate risk management status and the reason of obstruction on their development. And then make a deep discussion on the problem that our commercial banks have been.encountered or will encounter. All those problems discussed based on the foreign interest rate marketing’s lessons and the reality of ours. And make some suggestions about the principle of institutional setup. Finally give some strategies about interest risk management based on the analysis of some listed commercial banks’ data, strengthen the building of the financial market, improve financial policies and regulations and at last come to a forecasted and measured standard form.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Banking system and business
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