利率市场化对我国商业银行的影响及对策

利率作为资金的价格受到了越来越多的重视，其市场化程度决定了整个金融资源配置的效率，并在实现内外均衡、资源合理有效配置、维持金融体系稳定，促进经济发展和提升国际竞争力方面都起着至关重要的作用，因此，应借鉴国外已有的利率市场化经验，结合我国利率市场化进入加速推进阶段政策趋势，从盈利模式、利率风险管理、风险选择、金融创新和成本控制等方面探讨商业银行应采取的对策。

The Influence of Marketing Interest Rate on Commercial Banks and Countermeasures

The interest rate, the price of fund, gets more and more attention. The marketing degree of interest rate is to decide the efficiency of the financial sources. The interest also plays such important roles as balancing the inside and outside of a bank, proper distribution of the source, keeping a stable financial system, promoting economic development, and improving national competitive capacity. The countermeasures of commercial banks for marketing interest rate can be accomplished through borrowing the marketing experience from other countries and taking our practice into account.