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As the liberalization of interest rate is basically completed, interest rate risk becomes a major risk of commercial banks. Based on the interest rate risk management model, this paper combines interest rate theory with practice and uses GAP model and GARCH model to analyze the interest rate risk management. Empirical evidence shows that commercial banks in China have actively managed short-term GAP values in the face of interest rate risks. Meanwhile, the yield sequence has the characteristic of long-term memory. Finally, this paper puts forward reasonable suggestions for commercial banks from five aspects. Keywords—China; Interest rate risk management; Interest rate liberalization; Commercial banks

Research on the Interest Rate Risk Management of Commercial Banks in China under Interest Rate Liberalization