论文部分内容阅读
利率市场化是当前我国金融改革的重要内容。通过利率市场化改革,我国银行业的经营环境得以改变,进而从外部推动银行自身进行改革,以适应金融全球化浪潮。利率市场化改革的推进必然对我国银行的生存环境和经营管理产生重大影响。作为农村金融系统的基础,农村信用社在农村经济发展中发挥着金融主渠道的作用。农村信用社由于特殊的体制和市场定位,将在利率市场化进程中面临特殊的风险,如何从容应对利率市场化形势,抓住机遇,已成为当前农信社经营管理中的重要内容。
Market-based interest rate is an important part of China’s financial reform. Through the market-based interest rate reform, the operating environment of China’s banking industry has been changed, and then the bank itself can be promoted externally to adapt to the wave of financial globalization. The marketization of interest rate reform will inevitably have a significant impact on the living environment and management of our country’s banks. As the foundation of the rural financial system, rural credit cooperatives play the role of the main financial channel in rural economic development. Due to the special system and market orientation, rural credit cooperatives will face special risks in the process of marketization of interest rates. How to calmly deal with the marketization of interest rates and seize opportunities has become an important part of the management of rural credit cooperatives.