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The Research of Our Country Commercial Bank Interest Rate Risk Defense under the Background of Interest Rate Liberalization

Author: ChenYing
Tutor: ZhangQingZhi
School: Shanxi University of Finance
Course: Finance
Keywords: commercial bank interest rate liberalization interest rate risk defense
CLC: F832.33
Type: Master's thesis
Year: 2014
Downloads: 6
Quote: 0
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Commercial bank, the core of modern finance, as well as modern economy, havingthe longest history, are representative in the development of financial institutions. In thetrend of interest rate liberalization, the risk of the commercial banks attracts more andmore attention. Especially after the2008U.S. subprime mortgage crisis happened,people think the financial risks faced by commercial banks again.Interest rate risk is one of the most ordinary, the most important financial risksfaced by banks, the interest rate risk management technology has becoming mature inforeign country. China, which is on the road of interest rate liberalization, is facingtremendous challenges. The study of interest rate liberalization background and processat home and abroad, and the analysis of challenges to commercial banks interest raterisk management, and the exploration of innovation on interest rate risk managementwill be helpful on the interest rate risk defense and sound operation of China’scommercial banks.In this paper, we discuss the interest rate risk defense research under thebackground of interest rate liberalization, introducing the theory on interest rateliberalization and interest rate risk management, and the relationship between them,analyzing the development process of interest rate liberalization at home and abroad byusing historical analysis and comparative analysis, and discussing the overall train ofChina. Comparing the different period data on commercial banks interest rateliberalization in abroad, we find interest rate liberalization has important influence onthe operation of commercial banks, mainly in the narrow spreads between bank depositand loan, poorer profitability, debt structure changing, rising asset risk preference,worse asset quality. Combing mature experience of interest rate risk management inforeign commercial banks with empirical study on the trend of China’s commercial bankinterest rate risk in the future, we analyze the problems exist in the process ofcommercial bank interest rate risk defense. Finally, we make suggestions on commercialbank interest rate risk defense from the aspect: commercial banks interest rate systemconstruction, business restructuring and comprehensive reform by drawing four basicprinciples in the Basel committee 《Principles for the Management of Interest RateRisk》, hoping to further improve and perfect the commercial bank interest rate risk control system, promoting the steady and safe operations of commercial banks.The main innovation in this paper are: First, discussing the development andevolution of interest rate risk management techniques on the background of interest rateliberalization, carding the background and the process of interest rate liberalization athome and abroad, analyzing the impaction on the interest rate risk defense for interestrate liberalization; Second, the study of commercial bank interest rate risk defense fromthe building of management system; Third, empirical study on the trend of China’scommercial bank interest rate risk in the future, providing the necessary technicalsupport for the interest rate risk defense.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks > Commercial banks ( specialized banks )
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