Research On The Management Strategies Based On The Interest Rate Market Trend Of Commercial Bank

With the further deepening of China’s market economic system reform, interest rates as a special commodity--the price of capital will also release,which is the need for market competition and also the objective requirement of market economy. In recent years, with the financial deepening and market-oriented financial reform in the hype, accelerate advance. The marketization of interest rate is the key to its indispensable. The interest rate marketization reform has now entered phase of assault fortified positions, at present, in addition to lower the deposit interest rate upper limit and personal savings rate has not been released, the other has opening. Interest rate marketization tendency is irresistible, the last line of the control of interest rate market-oriented breaking.As the reforms of financial is deepening, the marketization of interest rate is bound to the entity economy, especially the impact is more significant for banking development, the bank means both opportunities and challenges. Especially in recent years, city commercial banks in China under the special period has become indispensable in our financial field role, and gradually try to cross regional business strategy. Unknown challenge market is bound to the relatively weak basis of interest rate of commercial banks. Such as city business to adapt to the economic and financial situation, timely adjust business strategy, optimize business strategy, then the opportunities will outweigh the challenges.This paper attempts to compare and study the strategic management of commercial banks in developed countries under the background of interest rate marketization, and find out the strategy adjustment of the trend of interest rate in the market and the specific business strategy, thus to our country commercial bank can play a certain role for reference and reference. On this basis, combined with the specific situation of XM bank, the XM bank put forward the development strategy and business strategy, some constructive, to XM bank steady, high-efficient development.