摘要:利率市场化是建立金融体制市场经济下的客观要求，同时也是对与银行业的改革与发展的重要条件。目前，国外已经有许多其它国家和地区已经实现了利率市场化，其中香港地区的利率市场化对内地商业银行更具借鉴意义。利率市场化对于内地商业银行主要存在定价机制、利率风险、价格竞争、筹资成本四个方面的影响机制，为了面对这一系列困难，我国内地商业银行需要采取适当的措施积极地予以应对。本文主要分析香港的利率市场化改革对于内地商业银行运营状况的影响，分析香港银行在利率市场化的过程中所采取的应对方法，对内地银行在面对利率市场化过程中的运营状况具有重要的借鉴意义。

关键词：利率市场化 内地商业银行 借鉴

Abstract:Market-oriented interest rate is the objective requirement of establishing finance system, meanwhile it is a vital criteria to reform and develop the banking industry. At present, there are lots of foreign countries and regions have implemented market-oriented interest rate. Among these countries and regions, Hong Kong is most appropriate to be referred for inland commercial banks. There are four main aspects of influencing mechanism from  market-based interest rates， which are pricing mechanisms，interest rate risk，price competition and financing cost. In order to face these series of difficulties, Commercial Banks in mainland China need to actively take appropriate measure to deal with them. In this paper, it mainly analyzes the influence of market-based interest rates in Hong Kong to the operation management of mainland commercial banks and the impact of coping mechanism of the process of the market-oriented interest rate in Hong Kong and the main reference meaning of operation condition of the process of interest rate marketization.

Key words: Market-oriented interest rate, mainland commercial banks, reference