The Impact Of The Market-oriented Interest Rate On The Ningxia A Rural Bank And Strategies Analysis

China officially launched the beginning of market-oriented interest rate reform since1996, by the end of2013, the interest rate marketization only realizedistance to bid farewell to the interest rate regulation era, a step:the deposit interest rate restrictions. Reform has brought opportunities to the commercial banks, the commercial bank management and the ability to adapt to thechallenges. Rural bank is the new type of rural financial institutions, the brand is weak, small scale, risk control level can not keep up with business development speed. The interest rate marketization reform, on the one hand, promote thevillage banks increased autonomy, institutional transformation, improve the organizational structure and operating mechanism; on the other hand, also make its profitability is affected, increased competitive pressures, increasing capitalpricing difficulty, interest rate risk, liquidity risk, credit risk and other risks.Methods this paper mainly through a combination of theoretical and empiricalanalysis, qualitative and quantitative analysis, discusses the present situation of Ningxia A rural bank, analysis of A for development of market interest rates, and the combination of domestic and foreign banks with the interest rate market experience, put forward A cope with the marketization of interest rate policy of.This paper will understand the present situation of A bank, seize the opportunity,in the interest rate marketization reform to overcome challenges, to achieve sustainable development, is very important to study the government how to guide, support institutional development in policy etc.