加息周期对我国商业银行的影响及其应对策略

由于国内外经济形势发展和政府宏观调控的需要,央行连续加息,我国进入利率上升周期,而由于引发利率上升的条件并未得到有效消除,在加息周期之中,将对我国商业银行的利差收入、信贷资产质量和理财产品等业务经营产生极大的影响,商业银行必须及时转变自身的业务结构并开展有效的资产管理方法,尽量缩小敞口头寸,以降低自身面临的利率风险。本文从利率周期的主要判断依据出发,说明利率上升周期产生的原因,结合实际就利率上升周期对商业银行经营产生的影响进行说明和分析,并提出相应的措施建议。

Impact of Rising Interest Rate Cycle on China''s Commercial Banks and its Corresponding Measures

Due to the development of domestic and international economic situation and the needs of the government's macroeconomic regulation and control,the central bank increase interest rate consecutively which indicates that China entere a cycle of rising interest rates.Meanwhile,because of the existence of evocable conditions of higher interest rates,in a cycle of rising interest rate which will imposes great influence on China's commercial banks spread income,quality of credit assets as well as the financial pro...