Research On The Impact Of Interest Rate Marketization Of State Owned Commercial Banks And Countermeasures

The interest rate as the price of capital is an important criterion for the allocation of resources, is the core of modern economy and finance. In twentieth Century 70 years, with the continuous development of financial deepening theory and financial order theory, financial liberalization worldwide launch. Today, the world almost all developed countries and most developing countries have carried out the reform of the marketization of interest rate, in this process, there are successes and failures.Since 1996, began to promote the marketization of interest rate, the interest rate marketization Chinese road has gone through 19 years, experienced in the liberalized inter-bank interest rate, bond market interest rates, lower loan interest rates after the steps, the current reform has touched the ceiling on deposit interest rates-- the most important root, and this is our country bank industry core profit source.The workers and peasants in the construction of other large state-owned commercial banks occupy the commanding heights of China’s banking industry, the how to deal with the interest rate marketization and can maintain stability will be directly related to China’s economic and financial and social stability, related to the success or failure of the reform.Profit risk, credit risk and interest rate risk far more than the past interest rate marketization will give China banking, but also contains the historic opportunity, will help the bank’s independent operation and promote financial innovation.The paper first discusses the necessity of the market-oriented reform of interest rate, the theory of interest rate marketization by dialysis. Secondly,reviews the history of the reform of China’s interest rate market, a concrete analysis of the process of marketization of interest rate in our country state-owned commercial bank’s advantages and disadvantages.Followed by analysis of the interest rate market of brings to the state-owned commercial banks of our country risk and opportunity, and the practical experience of the developed countries and developing countries’ interest rate liberalization.In the analysis of the market-oriented reform of interest rate impact on commercial banks based on the obtained international experience enlightenment to the state-owned commercial banks in our country, and further puts forward coping strategies of China’s state-owned commercial banks in the process of marketization of interest rates. Steady progress in the interest rate marketization reform today, has certain theoretical significance and practical significance of this article.