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本文通过对当前贷款利率的管理和浮动情况、利率风险状况、贷款利率政策和管理中存在问题的调查与分析 ,提出了现阶段利率管理要顺应利率市场化和金融业发展的要求 ,放松利率管制 ,增加利率弹性 ,鼓励商业银行加强业务创新和利率风险管理等政策建议。
Based on the investigation and analysis of the management and floating of the current loan interest rate, the interest rate risk, the loan interest rate policy and the existing problems in management, this paper proposes that the interest rate management should comply with the requirements of the interest rate market and the development of the financial industry at this stage, relax interest rate control , Increase interest rate flexibility, and encourage commercial banks to strengthen their business innovation and interest rate risk management policy recommendations.