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The Risks of Commercial Banks on Interest Rate Marketization

Received: 25 February 2016    Accepted: 8 March 2016    Published: 21 March 2016
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Abstract

The interest rate of market reform and deepening of our country commercial bank stability and sustainable development of the important and far-reaching impact. Is the core of modern economy and financial interest rates, as the price of money, interest rate plays an important role in the allocation of resources. As the interest rate market advance, domestic commercial bank's overall risk level is lower than the optimal risk. In this paper, in combination with the practical situation of the market, on how the commercial Banks under the background of market-oriented interest rate risk prevention, risk aversion caused by excessive systemic risks are expounded.

Published in International Journal of Economics, Finance and Management Sciences (Volume 4, Issue 2)
DOI 10.11648/j.ijefm.20160402.17
Page(s) 83-86
Creative Commons

This is an Open Access article, distributed under the terms of the Creative Commons Attribution 4.0 International License (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution and reproduction in any medium or format, provided the original work is properly cited.

Copyright

Copyright © The Author(s), 2024. Published by Science Publishing Group

Keywords

Interest Rates, Commercial Banks, Risk-Taking, Reform

References
[1] Myrdal, Gunnar. “Economic Theory and Under-developed Regions,” London, Duckworthand and Co, 1969, pp. 123.
[2] Song-tao zhang, “the efficiency and risk control of commercial Banks in China,” China financial publishing house, 2014, pp. 113.
[3] Chu-Sheng Tai, “Time-varying market, interest rute, znd exchange rate risk premia in the commercial bank stock returns,” Journal of multinational Financial. USA, vol.10, 2000 pp. 397–420.
[4] M. Eling, S. Holder, “The value of interest rate guarantees in participating life insurance contracts: status quo and alternative prodact design,” Switzland, vol. 53. 2013, pp. 491–503.
[5] Yin Yong-xin, “The interest rate marketization to research on the influence of our country commercial bank risk bearing,” shandong university, master's thesis in 2013, on page 11.
[6] H. Thomas. K. Murdock, and E. Joseph, “Financial restraint: toward anew paradigm,” The Role of Government in East Asian Economic Development: Comparative Institutional Analysis, 1977, pp. 163–207.
[7] Yun Zhu: the empirical analysis of listed commercial Banks competitiveness of the People's Republic of China, xiamen university, Ph.D. Dissertation, 2012, pp17.
[8] A. Hoffmann, A. Löffler, “Low interest rate policy and the use of reserve requirements in emerging markets,” The Quarterly Review of Economics and Finance, vol.54. 2014, pp 307-314.
[9] Jia Huang, “Based on factor analysis and empirical research on the competitiveness of commercial Banks", hunan university master degree thesis,” 2012, pp 19.
[10] Lu Zhang, “Research on the competitiveness of commercial Banks based on factor analysis, shaanxi normal university,” master's thesis in 2012, pp. 44.
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  • APA Style

    Yue Zhang. (2016). The Risks of Commercial Banks on Interest Rate Marketization. International Journal of Economics, Finance and Management Sciences, 4(2), 83-86. https://doi.org/10.11648/j.ijefm.20160402.17

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    ACS Style

    Yue Zhang. The Risks of Commercial Banks on Interest Rate Marketization. Int. J. Econ. Finance Manag. Sci. 2016, 4(2), 83-86. doi: 10.11648/j.ijefm.20160402.17

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    AMA Style

    Yue Zhang. The Risks of Commercial Banks on Interest Rate Marketization. Int J Econ Finance Manag Sci. 2016;4(2):83-86. doi: 10.11648/j.ijefm.20160402.17

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  • @article{10.11648/j.ijefm.20160402.17,
      author = {Yue Zhang},
      title = {The Risks of Commercial Banks on Interest Rate Marketization},
      journal = {International Journal of Economics, Finance and Management Sciences},
      volume = {4},
      number = {2},
      pages = {83-86},
      doi = {10.11648/j.ijefm.20160402.17},
      url = {https://doi.org/10.11648/j.ijefm.20160402.17},
      eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.ijefm.20160402.17},
      abstract = {The interest rate of market reform and deepening of our country commercial bank stability and sustainable development of the important and far-reaching impact. Is the core of modern economy and financial interest rates, as the price of money, interest rate plays an important role in the allocation of resources. As the interest rate market advance, domestic commercial bank's overall risk level is lower than the optimal risk. In this paper, in combination with the practical situation of the market, on how the commercial Banks under the background of market-oriented interest rate risk prevention, risk aversion caused by excessive systemic risks are expounded.},
     year = {2016}
    }
    

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    AU  - Yue Zhang
    Y1  - 2016/03/21
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    N1  - https://doi.org/10.11648/j.ijefm.20160402.17
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    T2  - International Journal of Economics, Finance and Management Sciences
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    JO  - International Journal of Economics, Finance and Management Sciences
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    AB  - The interest rate of market reform and deepening of our country commercial bank stability and sustainable development of the important and far-reaching impact. Is the core of modern economy and financial interest rates, as the price of money, interest rate plays an important role in the allocation of resources. As the interest rate market advance, domestic commercial bank's overall risk level is lower than the optimal risk. In this paper, in combination with the practical situation of the market, on how the commercial Banks under the background of market-oriented interest rate risk prevention, risk aversion caused by excessive systemic risks are expounded.
    VL  - 4
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Author Information
  • Economic and Management School of WuHan University, WuHan University, WuHan, China

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