利率的敏感性 meaning in English
interest rate sensitivity
Examples
- Based on the analysis of commercial banks " current concept about fund management , this paper brings forward that fund management is the main - string in its operation , and that the concept of fund management , including security and profitability , is extended from current " forrying fund " to the management of the fund cost and fund risk the paper comprehensively discusses the principle of fund management , the management of fund costs , the tactics of management about fund liquidity , the measures of management about fund risks and how to solve the problems on interest risk in the period of frequent interest fluctuation . the paper puts forward ideas on how to improve the fund management . the security , liquidity and profitability of the fund , which are both contradictory and integrated with one another , are internal factors of fund management . fund liquidity is traditional core question . commercial banks face with a number of risks of witch credit risk is the greatest one because our country has adjusted interest rates 8 times since 1996 , which covered a period of frequent interest fluctuation
商业银行面对许多风险，但最大风险是信用风险。由于我国自1996年以来已连续调整了8次利率，近几年是利率波动频繁时期，研究利率的敏感性问题显得特别重要。要改善资金管理，提高商业银行的经营水平，就要建立资金管理是商业银行经营主线的理念，对资金要统一规划和管理；要改革银行的体制，建立现代企业制度和法人治理结构，在体制上为资金管理提供有利的运行平台；增加改善资金流动性管理所需的货币政策工具，扩大资金调控手段；打破货币市场的僵化局面，为资金管理创造有利的宏观环境；续续优化负债结构和负债载体设计；增强资金信用风险规避和化解的措施；通过银行资源整合，努力寻找资金的安全投放渠道，最终完成经营模式由传统型向现代型的转变。