Analysis Of The Relationship Between Interest Rate Marketization And Commercial Banks

Changes in the capital market interest rate is an important measure, it has long been known as the price of capital to deal with, for the development of the financial market and deepen the reform has very important significance. Interest rates are an important reference for the implementation of the national central banks of macroeconomic regulation and control of the economy of our country, in the market as the benchmark interest rate in the economy, it is an important indicator of economic capital market changes in supply and demand. It can distribute and adjust economic market funds effectively, according to the development of all sectors of the reasonable distribution of the flow of funds, through changes in the interest rate to achieve a good rational allocation of market resources.With the further development of international economic integration and liberalization, deepening development of market economy and financial system reform, in order to reduce the economic gap with developed countries in the world better,the reform of China’s interest rate market has entered a period of rapid development. But because of an important factor in international history of traditional factors and the market economy, whether it is from the whole environment for China’s economic development point of view, or from the development of the construction of China’s market system is concerned, the reform and development of China’s economy and financial system into the global system when, compared with other developed countries, we are there is a very large gap, we still have a long way to go for a while. In order to better and faster to adapt to the international market development, to integrating with the world market, our country must speed up the construction and perfection of market system, in the future for a long period of time will be an important period of financial market steadily forward. The marketization of interest rate as an important tool of regulating the financial market environment for the development of financial market, its implementation will contribute to the improvement of our country, make our country’s financial system normal operation,more efficient allocation of social resources to achieve the market, thus making the whole financial market of our country toward a more healthy, stable development, to ensure a balanced development of social economy in our country. Development and reform of domestic and foreign interest rate,development of historical experience tells us, the interest rate market reform will be a long-termdevelopment of the twists and turns of the process.At the same time, as a developing country, its social and economic foundation is weak, the market shock resistance ability is weak, in order to implement the interest rate market oriented reform in the broader market, is itself has an important engineering risk.Commercial banks are the financial market of our country is a very important part, plays an important role in social and economic development, the government, society and individual residents has important influence can not be ignored. The reform of the interest rate market has very important significance for the survival and development of commercial banks in china. On the one hand, the interest rate market reform is an important part of China’s financial reform, reform can promote the rational development of China on the whole financial market, to promote the deepening of reform of great significance. Especially the development of small and medium-sized commercial banks competitive market economy system of our country under the more fierce, the national government must create a fair environment for the development of the equitable development. The market-oriented reform of interest rates appropriate to solve this problem, not only solves the disorderly competition between the various financial institutions to compete, and rapid development of China’s banking industry to create a favorable external environment for development, but also to promote China’s banking industry towards the direction of diversification.On the other hand, the interest rate market is a popular talk about market interest rates on the development of the environment, affecting the development of China’s financial system in market development under the law. Under this background, various financial institutions, especially the commercial banks all over the world, they can be based on the demand of the development of economy of our country market, at the same time reference economics marketing as an important relationship between the cost and the level of interest rates, especially after the central bank interest rate deregulation, commercial banks can be independent innovation in the market, its market competitiveness has been greatly improved. Is a double-edged sword for reform and development of the interest rate. The long term of China’s economic development have a profound impact, but the short-term development of market economy, the market and the banking institutions are already accustomed to the traditional central bank rate decision and the level of development, the development of the market itself to research is not much, so the interest rate market oriented reform will have a significant impact can not be ignored in the development of our China’s commercial banks, the impact of the development of China’s commercial banks in the external environment and internal management. In this context, China’s market-oriented interest rate reformprocess, the development of commercial banks is facing the important influence, not only has the very important theory value, colleagues or has the very strong practical value.This paper starts from the history of the development of China’s commercial banks based on China,between the bank and the commercial banks of developed countries the rate and the interest rate liberalization in many commercial banks, on the basis of the specific impact, I further explore the interest rate market reform environment, commercial banks in China should take what kind of measures, to prevent the impact of the market. On this basis, the reference of the domestic and foreign experts and scholars on the interest rate market in recent years, the use of a variety of analysis and interdisciplinary research methods, master the latest research trends, analysis of the changes of large banks and small banks before and after the interest rate market, the relevant data from the point of view of risk management and profitability and pricing ability and so on to analysis of the important influence in all aspects of the. Finally, based on the synthetic factors fully grasp the liberalization of interest rate brings to the development of commercial banks, and puts forward some constructive suggestions for the development of the Commercial Bank of our country, to obtain the long-term development interests and expect to make the commercial bank in the interest rate market oriented reform.