A Study On The Impact Of Interest Rate Marketization Reform On China 's Commercial Banks

At present, our country has already started the reform of deposit interest rate liberalization of commercial bank, interest rate liberalization ushered in a key step. Because commercial Banks occupy the dominant position in the financial system in our country, how the interest rate liberalization influence on management of commercial banks is related to the stability of our financial system.The second part of this paper is a brief introduction of interest rate liberalization. This part contains the meaning of the liberalization of interest rate, the content and the main course at home and abroad. The present situation of China’s market-oriented interest rate reform is introduced, we sum up the experience and lessons to our country from others experiences of interest rate liberalization, and found some enlightenment about how to better promote the liberalization of interest rate; The third part of the article is experience research about domestic and international market-oriented interest rate reform how to impact on commercial bank management. In this part we mainly introduced the historical experience of the United States and Japan. According to the historical experience of the two countries as well as the domestic and foreign scholars study, we discussed how this process influence on the management of commercial Banks from the tendency of lending and deposit rates, the savings and loan, deposit and lending ratio, interest income and non-interest income and bank financial innovation and other aspects; The fourth part is empirical research, first of all, the interest rate sensitivity gap theory was used to study the changes of market interest rate on the influence of the commercial bank’s net interest income, Then multiple linear regression model was constructed to study the relationship of degree of interest rate liberalization and interest rate of bank industry net capital relations; Finally according to the result of empirical analysis and empirical analysis, some reasonable suggestions are put forward respectively for commercial Banks and monetary authorities.