Strategies For Coping JNB Bank’s Interest Rate Market

In recent years, market-oriented reform of interest rates entered a rapid development stage. Market-oriented reform of interest has rated into the deep water with the People’s Bank announced the full liberalization of the lower interest rate loans from financial institutions since July 20, 2013. The progress of interest rate marketization pushing banks to change traditional profit model and business model. It will bring challenges to weak foundation of commercial banks. If the city commercial banks can adapt to economic and financial situation, adjust business strategy and optimization of business strategy, opportunities will outweigh the challenges. Facing with the trend of marketization of interest rate, small and medium-sized commercial banks can make up for the shortcomings from diversifying operations, implementing differentiation development, establishing an effective product pricing mechanism and improving interest rate risk management ability. Commercial banks should fully understand the interest rate market opportunities and challenges in order to win the living space by optimizing own business.This paper obtains from the concept of market-oriented interest rate, the impact of interest rate,commercial bank income, interest rates, interest rate market regulation, market-oriented interest rate of commercial banks operating results, based on the JNB bank’s profile, profitability and operating risk profile, using SWOT analysis JNB bank’s strengths and weaknesses, opportunities and challenges, then draw lessons from international experiences and marketization of interest rate,proposed JNB bank’s coping strategies in terms of optimizing the management structure, innovativing business and services, improving profitability, etc. This paper wants to help JNB bank to speed up the management transformation, enhance the core competitiveness, and further enhance the support for economic development.