The Analyzation Of Influence Of Interest Rate Marketization Reform Of Commercial Banks In China

The price of capital is the interest rate, and it is a sign of the degree of development of financial markets. The interest rate market is a result of the formation of the institutional development of our economy,and it is the way forward in the process of development of finance. Our development direction of interest rates facing serious challenges and important opportunities. As the interest rate marketization, the relevant commercial bank more competitive in terms of the credit, for long-term development, small and medium-sized banks adopted a series of response measures, hoping to achieve a win-win situation. In this paper, on the premise of interest rate marketization, analyzing the influence of this kind of situation of commercial Banks, as well as the strategy of commercial Banks. Although the article points out that the marketization of interest rate will cause serious impact on the development of small and medium-sized Banks, but the market makes the competition between Banks become more fair and justice, and it broke the previous some Banks in some some areas or regions restrictions and promoting common development of banks. Small and medium-sized banks should seize this opportunity to promote business transformation, enhance risk management, and enhance the ability of asset pricing, vigorously carry out intermediary business,specialization, differentiation, characteristics of the development path.