The Impact And Countermeasure Research Of Market-oriented Interest Rate On Commercial Bank In China

The market-oriented interest rate is the main content of the current finance reform in our country. By the reform, the operating environment of bank has been changed thus promoted the change of the bank itself from outside so as to adapt to the trend of globalized finance. As the reform of market-oriented interest rate advances, it will affect the growing environment and management of Chinese bank inevitably. It has become the main concern in the current management of our commercial bank on how to deal with it easily and grasp the opportunity and control the risk of interest rate, and how to succeed in the increasingly open operating environment.According to both of the good and bad experiences from other countries, market-oriented interest rate is a rather complicated system project, which influences and involves widely. As the main member of financial system, commercial bank is easier subject to the strike with the potential risk, which is the realistic problem the commercial bank faces. We have experienced the testing reform of market-oriented interest rate for 10 years and the rate system towards market has gradually improved. Currently, as the initiating of new financial system and opening wider, China must speed up the reform of interest rate towards market inevitably. According to the analysis, the reform will be finished in one or two years. Now it is time to make the finial dash to carry out the market-oriented interest rate overall. The market-oriented interest rate will bring some opportunities to our commercial bank. For example, to be given the right to decide on the price by itself, the commercial bank can offer different service to clients; to promote the optimization adjustment of commercial bank property structure, it can create the fair, open and just competition among commercial banks and is favorable for the commercial bank to conduct product initiating and develop go-between business. At the same time, market-oriented interest rate will narrow the rate gap between depositing and lending and add the risk of operating, which is a real challenge to the commercial in the market competition. This essay is intended to study and analyze these problems. On this basis, the paper presents and describes some strategies to deal with the market-oriented interest rate. It could be the reference for the bank managerial class to make the plan to deal with the market-oriented interest rate.