Interest Rate Risk Management of Commercial Bank under the Background of Interest Rate Liberalization
- 10.2991/emle-15.2015.70How to use a DOI?
- interest rate liberalization; interest rate risk; interest rate risk management; commercial banks
With the gradual deepening of the reform process of interest rate liberalization, commercial banks that play an important part in financial system are faced with more and more risks. The process of interest rate liberalization has important influences on commercial banks and it mainly reflects in aspects such as the decrease of interest margin of bank loans and deposits and profitability, the change of liability structure of banks and the quality of rise and reduction of preference of asset risk. The interest rate risk is the most significant risk faced by commercial banks in the process of interest rate liberalization, so Chinese banking industry needs to bear important tests in this reform. Only effective management control of interest rate risk can provide supports for the stable operation of commercial banks. This thesis is divided into four parts. The first part introduces the research background and research status of the task and explains the train of thought and structure of this article. The second part gives several tables to list some specific data of commercial banks in the aspect of interest rate risk management in recent years, summarizes and analyzes the current management situation of commercial banks for interest rate risk. The third part puts forward some unsolved problems existed in commercial banks in the process of interest rate risk management at present after overall grasp and analysis of interest rate risk. The fourth part puts forward management measures and suggestions for the existing problems.
- © 2016, the Authors. Published by Atlantis Press.
- Open Access
- This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).
Cite this article
TY - CONF AU - Haixia He PY - 2015/11 DA - 2015/11 TI - Interest Rate Risk Management of Commercial Bank under the Background of Interest Rate Liberalization BT - Proceedings of the 2015 International Conference on Economics, Management, Law and Education PB - Atlantis Press SP - 310 EP - 313 SN - 2352-5398 UR - https://doi.org/10.2991/emle-15.2015.70 DO - 10.2991/emle-15.2015.70 ID - He2015/11 ER -