中文摘要：

为研究我国中小上市银行在经营能力、盈利能力和利率风险管理能力方面存在的问题,首先预测了存款利率市场化对中小上市银行盈利能力、资产负债管理能力和面临的利率风险的影响,然后收集了11家中小上市银行近8年的面板数据,从存款利率市场化对盈利能力和利率风险的影响两个方面进行了实证分析,最后得出结论：存款利率市场化缩减了存贷利差,增强了中小银行的盈利能力,同时也对其利率风险管理提出了更高要求。

英文摘要：

In order to study the problems existing in small and medium - sized listed banks in China regarding oper- ating capacity, profitability and interest rate risk management capability, first of all, prediction is made on the im- pact of liberalizing deposit interest rate upon profitability, assets and liabilities management capability and interest rate risk in small ＆ medium - sized listed banks in China. Then the paper collects the panel data from eleven small and medium - sized listed banks in recent eight years, and conducts an empirical analysis on the impact of deposit interest rate liberalization upon profitability and interest rate risk. Finally, conclusion is drawn that deposit interest rate liberalization reduces interest spreads of deposit and loan, enhances the profitability of small and medium - sized banks, and imposes much higher requirements on the interest rate risk management.