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利率市场化给我国的国有商业银行带来一系列的正面和负面影响,其挑战与机遇共存,因此我们要切实把握好这个重大的机遇,积极地应对一切存在的风险,进而带领我国国有商业银行走向更加美好的明天。对于利率化市场带来的负面影响,就需要国有商业银行认真地分析当前所面临的市场环境,强化风险意识,完善各种管理机制,提升商业银行的市场竞争力,站在长远的角度实行战略性发展。本文简述了利率化市场对国有商业银行的几个负面影响,并提出了一些应对策略,希望能给读者一些帮助。
The marketization of interest rate brings a series of positive and negative impacts to the state-owned commercial banks in our country. The challenges and opportunities coexist. Therefore, we must effectively grasp this important opportunity and actively cope with all existing risks, so as to lead our state-owned commercial banks Go to a better tomorrow. For the negative impact brought by the interest rate market, state-owned commercial banks need to carefully analyze the current market environment, strengthen risk awareness, improve various management mechanisms and enhance the market competitiveness of commercial banks, and implement strategies in the long run Sexual development. This article outlines several negative effects of the interest rate market on the state-owned commercial banks and puts forward some countermeasures, hoping to give readers some help.