利率市场化对银行信用风险影响的研究.docxVIP

PAGE PAGE 9 利率市场化对大连银行信用风险影响的研究 内 容 摘 要 利率市场化是当前我国金融改革的重要内容。通过利率市场化改革，我国银行的经营环境得以改变，进而从外部推动银行自身进行变革，以适应金融全球化浪潮。利率市场化改革的推进必然对我国银行的生存环境和经营管理产生重大影响，如何从容应对利率市场化形势，提高利率风险管理水平，在日益开放的经营环境中立于不败之地， 已成为当前我国商业银行经营管理中的重要内容。 党的十九大报告中提出“深化利率市场化改革”，同时在2020年中央财经领导小组会议提出要防控金融风险相关工作。由此可见，在现如今市场经济高速发展的背景下，利率市场化成为了银行业发展的必然趋势，商业银行受到一定影响，同样大连银行也不能避免。而且，利率市场化对信用风险方面的影响尤为巨大。利率市场化将给大连银行带来重大变革，对大连银行产生了深远的影响，但利率市场化改革是一把“双刃剑”，再给银行的发展带来机遇的同时也给银行的也带来了挑战和风险。同时，商业银行利率市场化往往也是利率市场化过程中最关键、难度最大的一个步骤，商业银行自身管理机制的健全程度和对利率市场化的态度，极大地影响和制约着各国利率市场化的进程。本文通过分析大连银行信用风险的影响，以及利率市场化对大连银行信用风险的影响分析，以此给出建议来完善在利率市场化的背景下大连银行信用风险。 关键词：利率市场化，信用风险，政策 ，贷款Abstract Interest rate liberalization is an important part of Chinas financial reform. Through the reform of interest rate marketization, the business environment of Chinese banks can be changed, and then the banks themselves can be promoted from the outside to adapt to the tide of financial globalization. The advancement of interest rate marketization reform is bound to have a significant impact on the survival environment and operation and management of Chinas banks. How to calmly deal with the interest rate marketization situation, improve the level of interest rate risk management, and remain invincible in the increasingly open business environment has become an important part of the current management of Chinas commercial banks. In the report of the 19th National Congress of the Communist Party of China, it is proposed to deepen the reform of interest rate marketization, and at the meeting of the central leading group of Finance and economics in 2020, it is proposed to prevent and control financial risks. It can be seen that under the background of the rapid development of market economy, the marketization of interest rate has become an inevitable trend for the development of banking industry, and commercial banks have been affected to a certain extent. Similarly, the Bank of Dalian can not avoid it. Moreover, the marketization of interest rate has a great impact