关于利率市场化条件下完善中小银行利率风险管理能力的思考

利率市场化本质在于实现商业银行利率定价的自主化和利率风险管理的成熟化。当前，中小银行机构仍存在利率定价粗放、风险管理建设滞后的状况，这对它们适应不断开放的市场环境和日趋激烈的竞争格局提出了严峻挑战。文章概括了中小银行机构利率风险管理手段不足的表现，分析了制约其利率风险管理技术提升的相关因素，并就加强中小银行机构利率定价和风险管理能力建设提出建议。

Improving small-medium bank＇s interest rate risk management in market-oriented interest rate environment

The essence of interest rate marketization lies in realizing independent interest rate pricing by commercial banks and well-developed interest rate risk management. At present, the small and medium banking institutions still experience extensive interest rate pricing and sluggish risk management infrastructure, which pose serious challenges for them to adapt to the opening-up market environment with intense competition. The article summarizes the insufficiency of interest rate risk management methods of small and medium banking institutions, analyzes the factors that limit the improvement of interest rate risk management skills, and makes suggestions on strengthening interest rate pricing and risk management ability of these banking institutions.