| 国有商业银行如何应对利率市场化改革的风险 |
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| 引用本文： | 冯友钊,贺建清.国有商业银行如何应对利率市场化改革的风险[J].衡水学院学报,2004,6(3):44-46. |
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| 作者姓名： | 冯友钊 贺建清 |
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| 作者单位： | 湘潭大学,商学院,湖南,湘潭,411105 |
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| 摘 要： | 利率市场化改革给国有商业银行的经营带来更大的风险,如:竞争风险、信用风险、利率风险、流动性风险等。如何趋利避害,应对风险,笔者认为从4个方面入手:产权制度改革;经营观念的转变;业务上由传统业务向中间业务、表外业务转变,由分业经营向混业经营转变;风险的全面管理。
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| 关 键 词： | 国有商业银行 道德风险 逆向选择 利率市场化 |
| 文章编号： | 1008-6900(2004)03-0044-03 |
| 修稿时间： | 2004年3月11日 |
How the Business Bank Tackles the Risks of Marketization of Interest Rate |
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| FENG You-zhao,HE Jian-qing.How the Business Bank Tackles the Risks of Marketization of Interest Rate[J].Journal of Hengshui University,2004,6(3):44-46. |
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| Authors: | FENG You-zhao HE Jian-qing |
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| Abstract: | The market-oriented reform of interest rate brings greater risks to the management of business bank such as competition risk,trust risk,rate risk and mobility risk. How to trend towards the profit to avoid being hurt,to deal with the risk? I think we should proceed with four respects: the system reform of property right, the transition of the mangement idea, two kinds of transition on the business,the overallmanagement of the risks. |
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| Keywords: | Moral risk reverse choice the marketization of interest rate |
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