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随着我国利率市场化进程的推进,中央银行加强了对货币政策的运用,尤其是对利率工具的运用。利率的频繁变动对我国经济会造成不可忽视的影响,而对于金融机构来说,影响则更为直接。本文从我国利率政策的概述出发,通过分析商业银行信贷业务以及利率变动对商业银行信贷业务的影响,对如何提升我国商业银行信贷经营质量提出了参考意见。
With the advancing marketization of interest rates in our country, the Central Bank has strengthened its use of monetary policy, especially its interest rate instruments. The frequent changes in interest rates will have an unnegligible impact on our economy. For financial institutions, the impact is even more direct. Based on the overview of China’s interest rate policy, this paper analyzes the impact of credit business of commercial banks and the changes of interest rates on the credit business of commercial banks, and puts forward some suggestions on how to improve the credit management of commercial banks in China.