Research on the relationship between interest rate marketization and risk control of commercial banks

Abstract

Since the reform and opening up, the overall level of China's economy continues to improve, commercial banks in the risk control process by adopting the form of interest rate liberalization, to commercial banks existing market risk interest rate. This paper mainly analyzes and studies the risk factors existing in interest rate liberalization. The risk factors of interest rate liberalization include phased risk and permanent risk, while phased risk mainly refers to the initial period of commercial banks' operation, while permanent risk refers to the risks existing in the long-term operation of commercial banks. In the process of interest rate risk control, commercial banks not only need to build a perfect organization, but also need to analyze and study the internal structure of the organization and risk identification technology.