The Reasearch About Management Strategy Of Commercial Bank In The Cycle Of Increasing Interest-Rate

The interest-rate is the important means that the market economy country implements the macroeconomic regulation. Since 2006, the relatively overheated economy has impelled our country to step into the new cycle of increasing the interest-rate. However during the past eight years period of interest-rate decreases, a particular operating structure has come into being in our commercial banks, which now needs a strategic adjustment badly, as well as the profit model, in order to suit the reversing orientation of interest-rate.This article illustrates the strategic orientation of the operating adjustment in commercial banks against the background of macroeconomic interest-rate increases, laying its foundations on the analysis of characteristics of macroeconomics and the management structure of commercial banks during the cycle of interest-rate increases. Also it illustrates with the example of China Construction Bank. By the detailed diagrams and data, the article points out four problems, which the commercial banks shall pay close attention to, including: Relative compression risk to the profit space due to interest adjustment; The business interest-rate sensitiveness of the asset-liabilities is defeated by the interest-rate risk that the gap brings; The reverse deposit shunts causing the expansion of operating cost and the liquidity risk; The finance taking off matchmakers and affecting the high-quality customers to arouse the elementary risk.This article draws a conclusion that the commercial bank accelerate the profit model transform from the traditional one which relies on the different between loans and deposits into the pluralistic service-oriented type in four major management tactics: interest-rate risk management tactics, the tactics in trend of offering credit, income structure adjusting tactics, tactics in servicing mode transition. And this article takes initiatives in four aspects. First, the article carries out a parallel study of the cycle of interest rate increases and finance taking off matchmaker tend, with an emphasize on priority to develop "business of investment banking of commercial bank" , which points out the direction of making the transition to manage in pluralism for the commercial bank. Second, with the proof of cause and effect between the national debt issue interest-rate and deposit interest-rate, the article puts forward that the national debt interest-rate can indicate deposit interest-rate tendency in advance. Third, for the need of service mode transition, it raises that commercial bank can change technological route and merging focus so as to successfully transform from traditional bank to network bank .Fourth, the article, regarding China Construction Bank as the case template, can benefit our commercial banks greatly in their management transition process.