本文首先介绍了我国商业银行面临利率市场化改革的必要性,其次,阐述利率市场化改革既带来机遇,也带来巨大的利率风险,然后描述了我国商业银行利率风险管理的现状,紧接着从利率风险对银行收益的根本影响着眼,为最后提出我国商业银行应采取的应对策略提供了理论基础。 This paper firstly introduces the necessity of marketization reform of interest rate in commercial banks of our country. Second, it expounds that marketization of interest rate reform not only brings opportunities but also brings huge interest rate risks. Then it describes the current situation of interest rate risk management of commercial banks in our country, From the fundamental impact of interest rate risk on the bank’s earnings, this paper provides the theoretical basis for finally putting forward the countermeasures our country’s commercial banks should take.