Innovative And Developmental Research For China’s Small And Medium-sized Banks Under The Interest Rate Liberalization

This thesis mainly introduces the conception of Interest Rate Liberalization earlier, and then, studying and summarizing the experience and lesson of Rate Liberalization and Financial Liberalization which The western developed countries and emerging market countries(and area)had finished. Ultimately, which experience and lesson that China can learn from it. At last, On this basis studying the Interest Rate Liberalization impact on small and medium-sized commercial Banks of our country, including- The influence of the assets and liabilities, the savings and loan, business income and bad assets balance and bad assets ratio. The reasoning adopted in three domestic a-share listed small and medium-sized Banks and 1 annual report data of A private bank(bank of Beijing, Nanjing bank, bank of Ningbo and Chongqing rural commercial bank) for argument basis, and then, came to the conclusion of the deficiency of currently our country small and medium-sized commercial Banks which need improvement. Finally, on the research idea of progressive, I summarize the way of the innovative development of small and medium-sized commercial Banks, that is: One is to speed up the intermediary business revenue and diversified business income, Two, it is increasing the number of research and development and the financial product, Three, it is to speed up the development of mixed management strategy, Four, it is actively by means of the existing master big development of the Internet financial data, Five, development direction is combined with the characteristic orientation, Six, positive with independent innovation research and development of new financial products, Seven, it is to speed up the perfect deposit and loan pricing method, Eight, it is to perfect financial market regulation, actively introducing advanced concept of finance and financial tools to our advantage. These can effectively increase small and medium-sized commercial Banks to cope with the competition ability and the ability of various risk factors under the condition of interest rate marketization in our country, making the small and medium-sized commercial Banks continue to serve for the domestic economic development, and the supply side reform under the new normal situations.