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本文首先主要就当前我国商业流动性紧张的原因做了简单的分析,然后思考了利率市场化对商业银行发挥的作用和意义,以及利率市场化在法律和政策层面存在的困难,最后探索出适合我国商业银行利率市场化的方案,希望能为我国商业银行流动性风险管理水平提供一些可行性建议。
This article first analyzes the reasons for the current commercial liquidity crisis in our country. Then I think about the function and significance of interest rate liberalization on commercial banks and the difficulties in the legal and policy aspects of market-based interest rates. The interest rate marketization of commercial banks in China is expected to provide some feasible suggestions for the liquidity risk management of commercial banks in China.