| 利率市场化对我国商业银行的挑战及应对策略 |
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| 引用本文： | 魏宝兰.利率市场化对我国商业银行的挑战及应对策略[J].经济问题,2012(8):111-113. |
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| 作者姓名： | 魏宝兰 |
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| 作者单位： | 太原城市职业技术学院,太原,030027 |
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| 摘 要： | 利率市场化是我国金融市场国际化非常重要的一步。利率市场化使中国银行业面临严峻考验。面对净利息收入减少、利率波动提高、银行竞争加剧、信用风险提高以及系统性风险加大,我国商业银行必须调整盈利结构,创新产品,拓宽利润增长点。
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| 关 键 词： | 利率市场化 净利息收入 系统性风险 |
The Challenges and Strategies about Liberalization of Interest Rate on Commercial Bank in China |
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| WEI Bao-lan.The Challenges and Strategies about Liberalization of Interest Rate on Commercial Bank in China[J].On Economic Problems,2012(8):111-113. |
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| Authors: | WEI Bao-lan |
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| Institution: | WEI Bao-lan(Taiyuan City Vocational College,Taiyuan 030027,China) |
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| Abstract: | Interest rate liberalization is a very important step during financial market internationalization in our country,which makes commercial banks facing risks.To deal with interest income decrease,the fluctuation of interest rate,increasing competition among banks,credit risk and systematic risk,commercial banks should dedicate to profit structure adjustment,innovative products and profit expansion. |
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| Keywords: | interest rate liberalization net interest income systematic risk |
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