论城市商业银行利率市场化应对策略

摘要

利率市场化进程的不断推进对商业银行传统经营模式和增长模式带来了冲击。城市商业银行应结合自身优势，坚持错位经营和差异化经营；强化成本管理，走精细化管理之路；全面构建风险管理体系；适时推进参股、控股、兼并收购战略，发挥规模效应；对照“好银行”标准加强内部管理，坚持内涵发展，通过不断提高自身核心竞争力应对利率市场化带来的冲击，实现健康可持续发展。%The interest marketization process has brought impacts on traditional business mode and growth mode of commercial banks. By associating with its advantages, city commercial banks stick to a differeat op-erational mode and strengthen cost management to construct a comprehensive risk management system. Com-mercial banks should follow the criteria of good bank to strengthen its internal management and stick to con-notation development to improve its core competitiveness against the tide of interest marketization and achieve healthy development.