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对于利率市场化改革的进一步深入,部分商业银行持排斥观点,认为利率市场化会阻碍银行的发展。本文旨在通过阐述利率市场化改革的重要意义,揭示利率市场化乃是一种机遇,对银行业的健康发展至关重要,以促使银行能正确看待利率市场化改革,抓住机遇,主动提升综合业务能力、利率定价水平和风险管理能力等,加速银行转型发展。一、利率市场化的背景自1996年我国开始利率市场化改革以来,不
As to the further deepening of the market-based interest rate reform, some commercial banks reject the view that the marketization of interest rates will hinder the development of banks. The purpose of this paper is to clarify the significance of market-based interest rate reform by revealing that the marketization of interest rates is an opportunity that is crucial to the healthy development of the banking industry so that banks can correctly view the market-based interest rate reform, seize the opportunities and take the initiative to improve Comprehensive business capability, interest rate pricing and risk management capabilities to speed up the transformation and development of banks. I. Background to the Marketization of Interest Rates Since China began the marketization of interest rate reform in 1996, no