近期,笔者参加了农发行复合型管理人才培训班在新加坡的学习考察。学习期间,了解了利率市场化环境下外资银行经营模式理念与流程管理制度,对农发行如何适应利率市场化进行了思考。一、新加坡利率市场化的启示新加坡金融当局高度重视对金融市场的监管,尤其是对利率市场化的管理。由于监管得力,新加坡金融市场运行一直较为平稳,始终位居亚洲三大金融中心之列,并经受住1997年亚洲金融风暴的严峻考验,其利率市场化改革中的成功经验值得借鉴。(一)利率市场化的四大原则。利率市场化改革往往牵一发而动全身,激进的改革方 Recently, I participated in the ADBC ​​training of management personnel in Singapore’s study tours. During the study period, he learned the management concept and process management system of foreign-funded banks under the market-based interest rate environment and considered how the Agricultural Bank of China should adapt to the marketization of interest rates. First, the Singapore interest rate liberalization of the market Singapore financial authorities attach great importance to the regulation of financial markets, especially the market-based interest rate management. As a result of its supervisory efforts, Singapore’s financial markets have been operating relatively smoothly. They have consistently ranked among the top three financial centers in Asia and have stood the severe test of the 1997 Asian financial crisis. Its successful experience in market-based interest rate reform is worthy of reference. (A) the four principles of market-oriented interest rates. Market-oriented interest rate reform often leads the whole body and radical reform