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Abstract
As the central bank gradually liberalized the bank interest rate management level,
the commercial banks in China are facing a major test and challenge after the
completion of the shareholding system reform. The interaction to the bank deposits and
loans and the current interest rate open environment, coupled with the real economy has
entered a new normal stage of development, will undoubtedly increase the difficulty of
commercial banks in the market risk, liquidity risk, operational risk and reputation risk
management. Therefore, starting from the risk type and combining the practical
situation of the specific bank interest rate management, the business transformation and
the adjustment of management strategy are tried.
For this, the combination of China's current interest rate market implementation
situation, through a comprehensive study on the related concepts and the theoretical
system of risk management and combined with the J bank Y branch is facing a
comprehensive liberalization of interest rates in the central bank, using the SWOT
analysis method of commercial banks to face in the process of interest rate liberalization
opportunities and challenges in the face of the advantages and problems of the
comprehensive induction. Finally, countermeasures are put forward in terms of risk
management culture construction, internal control and governance structure
improvement, standardized operation process establishment, interest rate risk
identification and management system improvement, interest rate risk measurement tool
optimization and management personnel training. The aim of this paper is to improve
the level of commercial banks' profit and the ability to resist risk by improving the risk
management.
Key words: Interest rate liberalization; Risk management; New Basel Capital Accord;
Interest rate risk。。。。。。
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