CAJ | 학술논문

对于商业银行而言，利率市场化的积极意义在于它将促进金融市场的深化发展和金融机构之间的公平竞争，为银行业快速发展和多元化经营创造良好的外部环境。但是从短期来看，利率市场化也将改变商业银行原有的利率决定机制和经营模式。利率市场化将大大提高利率波动的幅度和频率，并使利率的期限结构复杂化，对商业银行的经营能力和风险把控能力都将是重大考验。本文选取10家国内上市商业银行，对其非利息收入占比、利率敏感性缺口等指标进行实证检验，最后根据实证结果对商业银行应对利率市场化提出合理建议。
대우상업은행이언，리솔시장화적적겁의의재우타장촉진금융시장적심화발전화금융궤구지간적공평경쟁，위은행업쾌속발전화다원화경영창조량호적외부배경。단시종단기래간，리솔시장화야장개변상업은행원유적리솔결정궤제화경영모식。리솔시장화장대대제고리솔파동적폭도화빈솔，병사리솔적기한결구복잡화，대상업은행적경영능력화풍험파공능력도장시중대고험。본문선취10가국내상시상업은행，대기비이식수입점비、리솔민감성결구등지표진행실증검험，최후근거실증결과대상업은행응대리솔시장화제출합리건의。
For commercial banks, the positive significance of the interest rate liberalization is to promote the deep development of financial market and the fair competition between financial institutions, and to create a good ex-ternal environment for the rapid development and diversified management of the banking industry. In the short term, the liberalization of interest rate will change the previous interest rate decision mechanism and the management mode. The interest rate liberalization will greatly enhance the amplitude and frequency of the interest rate volatility and make the structure of interest rate term more complicated. It will be a big challenge for the management and risk-control abili-ty of commercial banks. Selecting 10 domestic listed banks as samples, this paper does an empirical test and analysis on the ratio of non-interest income,interest rate sensitive gap and other indexes. According to the empirical results,it puts forward reasonable suggestions for commercial banks to face the interest rate liberalization.