摘要：利率市场化作为金融自由化的核心，使市场主体享有充分的自主权，使资金流动合理化、效率化，有力的促进经济的发展。利率市场化改革的到来，对商业银行在管理等方面有更高的要求。但商业银行一直在政府的利率管制下，自身存在着很多的不足，在利率风险的控制和管理上，也刚刚进入发展阶段且处于较低的水平。因此，在目前阶段利率市场化改革的重要时期，商业银行的利率风险管理能力是仍不能满足利率的市场化水平。对于利率风险管理进一步探析对日后的发展具有实际的作用。

    首先，阐述利率风险的定义及分类，对商业银行日常经营中存在的问题进行细致的剖析。继而对我国利率市场化历程总结，根据我国发展的现实问题，从信用、竞争和管理三方面总结现阶段我国将要面临利率风险。然后着重分析我国利率风险管理的现状，寻找其在管理方面的诸多不足，根据不足之处因地制宜，对商业银行如何改善管理提出了切实可行的方案。通过以上的研究，得出以下的结论：

    1.进行市场化改革，逐渐取缔各种利率管制，必然会使利率风险进一步显现。

    2.利率实现市场化可促进商业银行的长远发展，但同时也需要加强对其的管理。在利率市场化进程中，风险更多的暴露出来，虽然商业银行的风险防范能力有一定程度的提高，但更大的挑战还要在未来发起。

    3.在利率风险管理中，需要逐步的改善金融环境。同时，商业银行应该建立内部的管理体制，加强资产负债管理，改变经营战略等等从外到内两部分，改善对利率风险监控、预防的一些举措，对此能为商业银行在管理利率风险方面提供一些帮助。

关键字：  现阶段，利率市场化，商业银行，风险管理

ABSTRACT：Interest rate marketization is as the core of financial liberalization, so that market players enjoy full autonomy and capital flows rationalization and efficiency, promoting economic development effectively. As the reform process of the interest rate is coming, China's commercial banks put forward higher requirements in management.However, due to Chinese commercial banks facing a long-term interest rate control, there are a lot of their own deficiencies. Under the control and management of interest rate risk, it just enters a development stage and is still at a lower level.Therefore, at this stage in the critical period during the interest rate market reform, interest rate risk management of commercial banks is far behind the pace of market-oriented reform of interest rate, dealing with existing and proposed commercial bank management tactics with the strategies lacking of risk management in interest rate has practical significance.

  Firstly,there is the definition and classification of interest rate risk , analyzing carefully about the risk from the daily operations of commercial banks after the interest rate marketization.Recalling the process of marketization of interest rates and according to the real issues of development, summary the interest rate risk that commercial banks will be faced with,from credit, competition and the management three sides.Then analyze the current status of Chinese interest rate risk management for finding the commercial banks in the management of the many deficiencies, inadequacies in accordance with local conditions, and put forward some suggestions about how to improve the management of commercial banks .Through the above study, the author gets the following conclusions:

 1.As the Promoting reform process of the interest rate,the control of various interest rate has been abandoned gradually ,the interest rate risk will emerge .

 2.Interest rate marketization reform of commercial banks can promote the further development , however, it also need more management at the same time .In the process of interest rates marketization, the risk more exposing, although the risk prevention capability of commercial banks has improved to some extent, but also there will  initiate a greater challenge in the future.

 3.At the management of interest rate risk , there is the need to improve constantly the external financial environment. the establishment of a series of risk management system, strengthen the balance sheet management,the change of commercial banks about internal business strategy, etc. From outside to inside, commercial banks should improve the regulation prevention from the interest rate risk.The author hopes what is mentioned above can be able to provide some help for the effective management of interest rate risk .

Key Words:  Nowadays,   Interest rates， Commercial Banks， Risk  Management