文档介绍：I摘要利率是使用资金的价格,是金融中的核心要素。随着利率市场化改革的不断深入,利率形成机制正在发生根本性变化,利率决定的市场化程度日益提高,利率波动性明显增强。从国外发达国家所走过的利率市场化的历程来看,利率的市场化给商业银行带来了利率风险,商业银行要想在利率市场化改革的环境中健康、稳定的发展离不开有效的利率风险管理。随着我国经济持续、稳定的发展,利率市场化将对我国商业银行的经营产生全方位的影响。在利率市场化的过程中,我国的利率风险凸显。我国商业银行发展伴随着利率市场化改革,利率风险管理也越来越受到重视,研究当前我国商业银行的利率风险和利率风险管理现状,探讨合乎我国现实的利率风险管理技术及如何加强商业银行的利率风险管理,来主动适应利率市场化的新环境有一定的现实意义。本文分析了我国的利率市场化改革,介绍了利率市场化的内涵,利率市场化理论,并指出利率市场化对我国商业银行来说既是机遇也是挑战;阐述了我国商业银行的利率市场化改革进程,深入的分析了我国商业银行的利率风险和利率风险管理现状;用实证方法对我国商业银行的利率风险现状进行研究,说明我国商业银行利率风险管理的不足。商业银行利率风险管理在西方国家已经有三十多年的发展历史,利率风险管理理论和技术在其利率市场化的实践中也日臻成熟,借鉴国外利率风险管理技术经验,探讨在我国商业银行利率风险管理中适宜的利率风险管理技术。本文将利率风险管理与我国的利率市场化的不同阶段相结合,针对我国利率市场化的进程,提出了近期、中期和远期我国商业银行应对利率风险的策略。【关键词】利率市场化,风险管理,商业银行,利率风险IIAbstractInterestrates are the price of money and at the core of financialfactors. Withtheconstantdeepening of the market-oriented reform of interest rates, the interest rates formation mechanism are undergoing fundamental changes .The increasing degree of liberalization about interest rates is going up day by day and interest rate fluctuations is obviously stronger. Studying the course of the market-oriented interest rates reform, wecan find out that the liberation of interest mercial banks arises of risk. The healthy and stable development mercial banksin the market-oriented interest rates reformenvironment can not leave the effective interest- rate risk management. With China's sustained and stable developing, themarket-oriented interest rate reform in China will have an all-round impact mercial banks of management. In the course of market-oriented interest rates environment, ourinterest rate risk highlighted. China'mercial banks along with the development of the market-oriented interest rate reform, interest- rate risk management is paid more attention .To study the risk of interest -rate and the management of interest rate risk , to explore the interest -rate risk management techniques which is suitable forChinese, to strengthen mercial banks 's interest-rate risk management , and to act