CAJ | 학술논문

稳步推进利率市场化是我国金融改革的重要内容,在利率市场化进程中,欠发达地区农村信用社面临的风险值得关注。本文选取了陕西省安康市四家农村信用社作为研究对象,利用利率敏感性模型对研究对象的利率敏感性缺口、利率敏感性比率和利率敏感性偏离度进行统计分析,并针对欠发达地区农村信用社的潜在风险提出政策建议。
은보추진리솔시장화시아국금융개혁적중요내용,재리솔시장화진정중,흠발체지구농촌신용사면림적풍험치득관주。본문선취료합서성안강시사가농촌신용사작위연구대상,이용리솔민감성모형대연구대상적리솔민감성결구、리솔민감성비솔화리솔민감성편리도진행통계분석,병침대흠발체지구농촌신용사적잠재풍험제출정책건의。
Steadily pushing interest rate marketlization is the important content of China's financial reform. It is worth paying attention to the interest rate risk of rural credit cooperatives in less developed areas in the process. Selecting four rural credit cooperatives as the research object in Ankang city in Shaanxi province and based on the interest rate sensitivity model, the paper analyzes interest rate sensitivity gap, ratio and departure degree. Aiming at the potential risks of the rural credit cooperatives in less developed areas, the paper puts forward several policy recommendations.