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利率作为资金的价格,在市场经济条件下,对于资源的配置起着关键的作用。经过十多年的探索,我国在利率市场化方面已经积累了一定的经验并取得一定的成绩。目前我国国民经济持续稳定发展,宏观基本面向好,全面推进利率市场化已具备条件。面对机遇与挑战,商业银行必须加强管理,提高识别和管理利率风险的能力,同时应大力发展中间业务,加快综合经营步伐,不断增强自身实力。
Interest rates, as the price of funds, play a key role in the allocation of resources under market economy conditions. After more than 10 years of exploration, our country has accumulated some experience in the marketization of interest rates and has made some achievements. At present, the national economy in our country has maintained a steady and steady development and conditions for the macro-economic fundamentals and the overall marketization of interest rates have been met. In the face of opportunities and challenges, commercial banks must strengthen their management and enhance their ability to identify and manage interest rate risks. At the same time, they should vigorously develop their intermediary businesses, speed up the pace of integrated operations and continuously enhance their own strength.