【摘要】 长期以来 ,我国商业银行承担着巨大的利率风险 ,但防范意识却非常淡薄 ,金融的严格管制也使我国商业银行在利率风险面前处于非常被动的地位。近期由于商业银行的负债趋于短期化 ,其所承担的利率风险较前几年相对较小 ,但仍不能排除利率风险的存在。为此 ,中央银行应采取积极措施 ,为商业银行主动防范利率风险创造条件 ;商业银行也应改变消极对待利率风险的态度 ,积极研究和防范利率风险。更多还原

【Abstract】 For a long time,although having undertaken tremendous interest rate risk,commercial banks in our country have little consciousness of preventing it. What’s more,the restrict regulation of finance sector puts our commercial banks in a passive position in the face of interest rate risk.Recently,with our commercial banks’ liability term becoming shorter and shorter,the interest rate risk they are undertaking is relatively lower when compared with that of last few years,however,it doesn’t mean that our commercial banks’ interest rate risk doesn’t exist so.The Central Bank should take effective measures to create conditions for commercial banks so that they can prevent the interest rate risk movingly.In the meantime,commercial banks should change their passive attitude taking to the interest rate risk,and study & prevent the interest rate risk actively.更多还原