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摘要：现代经济的核心是金融，金融市场的核心变量是利率，利率的变动对整个金融市场乃至国民经济都会造成不容忽视的影响。利率作为央行的主要政策工具，在金融政策调控阶段起到重要的作用。利率管制在金融发展中逐渐向利率市场化制度的贴紧，正向我们预示着一个利率变化改革历程。然而，没有利率市场化的改革，有效的市场化利率风险管理机制就不可能形成，而相应的各种利率机制也就得不到有效运行。为了更好的为地区经济发展提供保障，地区在商业银行更需要注意利率风险的控制管理。31277
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随着市场化的发展，江苏靖江农村商业银行的存贷款利率将以市场为先，并按照市场的变化进行调整，银行内部的利率定价不再是单一的模式。靖江农村商业银行为进一步强化其利率风险控制，运用科学的银行利率定价模式，从资金的有效运作、盈利状况以及存贷款业务的安全性等因素出发，探求增强利率风险控制的有效措施。
毕业论文关键字： 靖江农村商业银行 利率风险 控制措施
Jiangsu jingjiang rural commercial bank interest rate risk control research
Abstract:
The core of modern economy is finance, the core of the financial market variables are interest rates, changes in interest rates for the whole financial market and will ignore the impact of the national economy. As the main policy tool of central bank interest rates, stage play an important role in the financial policy. In the financial development of the interest rate control to the system of interest rate marketization tiejin, positive we herald a change interest rate reform process. There is, however, no interest rate marketization reform, effectively the marketization of interest rate risk management mechanism can not be formed, and the corresponding mechanism of various interest rates also won't get effective operation. In order to better provide guarantee for regional economic development, regional more need to pay attention to in the commercial bank interest rate risk control management.
With the development of marketization, jiangsu jingjiang rural commercial bank lending and deposit rates will take the market first, and according to the change of the market adjustment, the interest rate of bank's internal pricing is no longer a single model. Jingjiang rural commercial Banks to further strengthen the interest rate risk control, using scientific bank interest rate pricing model, from the capital effective operation, the factors such as profitability and the safety of the deposit and lending business, to explore the effective measures to strengthen the interest rate risk control.
Key Words：Jingjiang rural commercial bank Interest rate risk Control measures
目录
一、 前言 1
（一）选题背景及意义 1
1.选题背景 1
2.研究意义 2
（二）文献综述 4
二、 中国利率市场化分析 6
（一）中国利率市场化的必要性与风险管理 6
（二）我国利率市场化发展的进程 7
（三）利率市场化对商业银行经营的影响 9
三、 江苏靖江农村银行利率风险管理研究 10
（一）靖江农村商业银行利率风险分析 11
（二）贷款定价模式分析 12
1.选择贷款定价模式的理由 12
2.贷款定价模式 13
3.存贷款定价模式分析 13
（三）货币转移定价 14
1.选择内部货币转移定价模式的理由 15
2.货币转移模型 15
3.利用货币转移模式定价实证 15