| Not only is the price of interest rate financial products, it is the dominant factor in the financial markets. From the experience of the reform of the financial markets in Europe and America and other developed countries, the banking sector is concerned, the market interest rate is called a major change. It is a profound and wide-ranging impact on the commercial banks, but also brought unprecedented opportunities and risks for the development of commercial banks. Commercial bank interest rate market for the degree of attention and coping strategies, but also influence and restrict the bank’s long-term development to a great extent. Of course, the interest rate market does not preclude the national macro-control indirectly, the government can take advantage of the macro-economic instruments in the capital markets indirectly affect the supply and demand situation, so as to achieve the purpose of regulating interest rates. China is still a government-led changes in interest rates, the interest rate market has not yet fully realized, is not very prominent compared to fluctuations in interest rates and the performance of the risk out of the market in Europe and America and other developed countries, leading the authorities to ignore the risk of interest rates may bring. In the interest rate market has become the trend of the moment, as the government continues to relax controls on interest rates, volatility of interest rates will gradually strengthen, how to respond to the interest rate market become the focus of our study.The modern commercial banks have not only a comprehensive multi-purpose finance companies, it is an important part of financial institutions. In recent years, with the continuous expansion of the scale of China’s commercial banks, the strength of the commercial banks is significantly enhanced. How do the response to the interest rate market, precautions and timely adjust their thinking and business strategy of commercial banks, commercial banks continue to ensure a dominant position in China’s modern economic system reform, give full play to its role in financial regulation, is our business of new topic banks have to face. The face of the deepening of China’s market-oriented interest rate reform, the continuing intense competition in the status of continues to deepen the process of marketization of interest rates as well as between commercial banks, G commercial banks on how to deal with interest rates based on the actual market situation right, the G commercial banks to survive and development are essential.Based on the study on the basis of the status in the interest rate market, interest rate liberalization and market-oriented content and features of the development process, and a brief description of the trend of interest rates on commercial banks to G, for example, the G commercial banks operating status, the interest rate market under the premise of the interest rate market opportunities and commercial banking assets and liabilities structure, such as the impact on the profitability of a thorough analysis of the experience of emerging economies by means of interest rate marketization process of the United States and other developed economies such as the Hong Kong region, the G commercial banks response to the interest rate market proposed the establishment of a scientific pricing mechanism, accelerate product innovation and portfolio strategies such as to provide a reference for promoting the development of G commercial Bank of China’s market-oriented reform of interest rates. |
