Study On The Development Strategy Of The Bank Of Pingan Under The Background Of Interest Rate Marketization

The marketization of interest rate refers to the central bank plans to use means of determining the regulated interest rates by the financial institutions based on their own capital supply and demand condition, management condition, profit and risk factors such as self regulating, self controlled interest rates, and make it become the basic indicators to guide the funds allocation. The development of the marketization of interest rate will affect the development direction of overall bank, commercial bank as the example, the marketization of interest rate that banks have the right to dominate the larger funds, fund the benefits will be more and more, but on the other hand, the security risk of funds are also more and more big, the risk of commercial bank undertakes there are more and more. Adopt the method of case study and the research method of literature, this article from the marketization of interest rate and the content of the marketization of interest rate in our country based on the analysis of the process, analysis of the impact of interest rate marketization brings to the banking system, through the SWOT analysis of Ping An Bank existing advantages and disadvantages, opportunities and threats, on this basis puts forward countermeasures.The reform of the economic system of our country in constant depth, the market economy is not freely traded, more should be extended to the financial industry and our country in socialist market economy, China’s economy more prosperous increasing national strength and prosperity, which indicates that the socialist market economy is suitable for us. Therefore, we should further the reform of the socialist market economic system, let the market economy will be more in-depth, in order to facilitate the further development of the economy of our country. Have been China’s accession to the WTO for fourteen years, globalization and Fisheries of the world become an irreversible trend, more and more economic exchanges between China and other countries in the world, but in our country into international market, China’s financial or more or less by a set of constraints, in order to promote our country in the world of enhancing the development, must implement the market-oriented reform of interest rate, so that China’s financial system and the international financial system standards.The research of this paper, in order to get the marketization of interest rate how to influence on Ping An Bank, and Ping An Bank should take countermeasures. Through this study, eventually expect to get such a conclusion:the interest rate marketization reform to promote the background, the marketization of interest rate makes the bank deposit and loan profit decline, to bring the interest rate risk; encourage commercial banks active management of assets and liabilities; prompted commercial banks to actively carry out business innovation; the banking industry competition pattern changes. At the same time, the bank has found peace development mode, innovation and development capability, advanced technology andother advantages of Internet financial department system, the marketing mode of weaknesses, famous degree low, residents money demand growth, depend on Ping An Group and other opportunities, other domestic banks competitive threats. Therefore, commercial banks should learn to turn crises into opportunities, mining market opportunities, strengthen business transformation, strengthening the management of interest rate risk, financial tool innovation, pay attention to personnel training, so as to improve the competitiveness, comply with the development process of the market interest rate.