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利率市场化是大势所趋,是我国金融业实质性迈入市场的重要标志,其对商业银行产生的深远影响备受关注。本文简要回顾了我国利率市场化进程,重点探讨了商业银行在利率市场化进程逐渐推进的背景下,应对利率市场化的有效策略。
The marketization of interest rates is the trend of the times and an important symbol of the substantive entry of China’s financial industry into the market. Its far-reaching impact on commercial banks has drawn much attention. This article briefly reviews the process of marketization of interest rates in our country and focuses on the effective strategies for commercial banks to deal with the marketization of interest rates under the background of the gradual progress of marketization of interest rates.