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利率市场化下我国上市商业银行财务风险分析

Financial risk analysis of China's Listed Commercial Banks under the interest rate marketization

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文献类型:
国际会议
文献来源:
Advances in Humanities and Social Science ResearchAdvances in Social Science,Education,and Humanities Research Vol91 2016年
会议地点:
中国广东广州
主办单位:
AEIC Academic Exchange Information Centre,China
作者:
沈盼
基金:
华南理工大学经济与贸易学院
分类号:
F83233F8325F83042
关键词:
财务风险论文  商业银行论文  市场化论文  银行论文  风险论文  

摘要:利率市场化是一国金融业发展的必然结果,随着我国利率市场化的推进,我国商业银行面临利率市场化带来的巨大挑战和严重冲击。目前我国商业银行的主营业务主要是存款业务和贷款业务,存贷业务对利率变动十分敏感,利率变动会直接影响我国商业银行的资产负债,从而影响到商业银行的收入和利润。所以利率市场化对我国商业银行的影响十分巨大。

Abstract:The marketization of interest rate is the inevitable result of the development of a country's financial industry. With the advance of interest rate liberalization in China, China's commercial banks are facing great challenges and serious challenges brought by interest rate liberalization. At present, the main business of China's commercial banks is mainly deposit business and loan business. The deposit and loan business is very sensitive to the interest rate change. Interest rate change will directly affect the assets and liabilities of our commercial banks, thus affecting the income and profits of commercial banks. So the effect of interest rate marketization on China's commercial banks is very great.

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