利率市场化对中国商业银行的影响及对策

摘要

中国为顺应世界潮流，在不断进行利率市场化的改革。在利率市场化的大背景下，对中国的商业银行会带来一系列的影响。文章首先分析了中国进行利率市场化改革的必要性，然后，在中国当前改革的背景下，分析了利率市场化对商业银行带来的机遇和挑战，最后，为商业银行提出了对策。%In order to keep up with the trend of the world, China has been reforming the interest rate marketization. In the context of interest rate liberalization, it will bring a series of influence on Chinese commercial banks. This paper analyzed the necessity of China's market-oriented interest rate reform, and then, under the background of the current reform in China, analyzed the opportunities and challenges to commercial banks, and ifnally, put forward the countermeasure for commercial banks.