The Impact Of Interest Rate Marketization On Commercial Banks Of Our Country And The Tactics Of Commercial Banks Of Our Country

Interest rate marketization means the interest rate is not determined directly by the monetary authorities again, but by supply and demand in markets . Up until now, almost all the developed countries and major part of developing countries have realized interest rate marketization. Practice has proved, foreign interest rate marketization really makes a lot of countries benefit from it, financial efficiency has been improved, fund allocation has been optimized, the whole economic and financial system have been improved. But the quantity of going bankrupt of banks has appeared to increase after interest rate marketization in some countries.Interest rate marketization is a systemic project, will bring influence to each field of economy, it not only influences the financial market directly, but also influences commercial banks indirectly. Because our country controls the interest rate for a long time, the interest rate of deposit and loan of commercial banks is confirmed by the government, commercial banks cann't completet the commercialization and market-based transformation to a great extent. From the point of view of long-term, the interest rate marketization is no doubt far-reaching for system development of commercial banks, but according to a short time, the interest rate marketization can brought enormous impact and challenge to commercial banks undoubtedly.What kind of influence the interest rate marketization of our country will emerge to commercial banks on earth, how should commercial banks deal with interest rate marketization calmly? It has already become an extremely urgent task that commercial banks of our country will faced.This text expounds the theory of market-based interest rate at first. Secondly, it expounds experience and enlightenment that the foreign commercial bank rate is market-based. Thirdly, it dissects the influence of external management environment and inside management and administration of the market-based interest rate on Chinese commercial banks. Finally, it puts forward the enormous tactics of Chinese commercial banks facing to challenges of the interest rate marketi/ation. Particularly, the main content of this text includes:Part One explains the theory of market-based interest rate. It expounds the meaning of market-based interest rate at first. Secondly, it expounds the theoretical foundation of market-based interest rate. Finally, it explains the process that the interest rate marketization of our country. Have originally been expounded the theoretical foundation of market-based interest rate and practice of market-based interest rate of our country partly.Part Two explains experience and enlightenment that the foreign commercial bank rate is market-based. It expounds the experience that foreign commercial banks interest rate is market-based at first. Secondly, it explains the enlightenment of our country from foreign commercial banks interest rate marketization. Have originally been drawn the enlightenment with the interest rate market-based of commercial banks of our country on the basis of using foreign practical experience for reference partly.Part Three explains the market-based impact on extemal management environment that commercial banks are in of interest rate of our country. It respectively expounds the impact of interest market-oriented on outside economic environment and supervising model. Originally some analyze mainly the market-based impact on external management environment of commercial banks of interest rate of our country through positive analysis.Part Four explains the market-based interest rate impact on inside management of commercial banks of our country. It expounds the market-based impact on the system of commercial banks at first. Secondly, it expounds the market-based impact on risk management of interest rate. Thirdly, it expounds the market-based impact on financial product pricing of interest rate. Finally, it expounds the market-based impact on risk of credit of interest rate. Originally some explain emphatically the market-based impact on inside management environment of commercial banks of interest rate of our country on the basis of investigating current situation of management of commercial banks.Part Five explains the tactics that Chinese commercial banks should be market-based to the interest rate. Originally accepting the third, the fourth part, it carries on some concrete exploration from pursuing the rate risk management in an all-round way, improving the ability of fixing the price of financial product, expanding the intermediate business effectively, strengthening the risk management of credit, etc.