| 利率市场化对商业银行经营的影响与对策 |
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| 引用本文： | 潘萍.利率市场化对商业银行经营的影响与对策[J].烟台职业学院学报,2005,11(1):44-48. |
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| 作者姓名： | 潘萍 |
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| 作者单位： | 烟台职业学院,山东,烟台,264001 |
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| 摘 要： | 无论从西方国家的发展经验 ,还是从我国经济生活的实际看 ,利率市场化都是一个确定不移的趋势。利率作为市场经济下反映资金稀缺、调控资源配置的最有力的杠杆 ,其市场化必将对商业银行的经营产生巨大影响 ,包括在银行的资产负债经营、资金头寸管理、金融产品创新等各方面 ,对此 ,我国的商业银行应当未雨绸缪 ,及早酝酿各种应对策略。
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| 关 键 词： | 利率市场化 商业银行 经营策略 |
| 文章编号： | 1672-3740(2005)01-0044-05 |
The Effect of Interest Liberalization on Commercial Bank Operation |
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| PAN Ping.The Effect of Interest Liberalization on Commercial Bank Operation[J].Journal of Yantai Vocational College,2005,11(1):44-48. |
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| Authors: | PAN Ping |
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| Abstract: | Either from the western countries' experience or from the practice of the economy of our country, we can draw the conclusion that interest liberalization is a stable trend. As the strongest lever of the marketable economy, interest can reflect the absence of principals and assign the resource perfectly, so its liberalization imposes a huge impact on the operation of the commercial banks, including bank asset-liability management, funds management and financial product innovation etc. So the commercial banks of our country should pave the way for the reform as early as possible. |
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| Keywords: | interest liberalization commercial banks operation strategy |
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