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央行自1996年正式开展利率市场化工作,2012年更是加快了利率市场化进程,利率市场化对商业银行影响波大,本文试图从实务角度探析市场利率化对商业银行的影响,并对商业银行经营提出一定参考建议。
The central bank formally started to carry out the marketization of interest rates since 1996, and the process of marketization of interest rates was accelerated in 2012. The marketization of interest rates has had a huge impact on commercial banks. This paper attempts to analyze the impact of market interest rates on commercial banks from a practical point of view, Bank management put forward some suggestions.