近年来,我国的利率市场化改革正在有条不紊地进行着。对我国商业银行而言,利率市场化的影响无疑是把双刃剑,与国外银行相比,我国商业银行长期处于利率管制条件下,资产负债管理体系较为落后,要应对利率市场化所带来的机遇和挑战,我国商业银行必须注重资产负债管理。 In recent years, the market-based interest rate reform in our country is being conducted in an orderly manner. For China’s commercial banks, the impact of interest rate liberalization is undoubtedly a double-edged sword. Compared with foreign banks, China’s commercial banks are under the conditions of interest rate control for a long time. Asset-liability management system is lagging behind. To cope with the marketization of interest rates, Opportunities and challenges, our commercial banks must pay attention to assets and liabilities management.