Research On The Development Strategy Of Rural Commercial Bank Of ZBLZ Under The Background Of Interest Rate Marketization

Market-based reform of interest rate is not a day—work. The interest rate marketization reform also experienced extraordinary process in the developed countries.Every coin has two sides. In one respect,the marketization of interest rate provides a good foundation for the commercial banks in the allocation of resources so that The banks win the independent pricing right. On the other hand, it will affect banks’ interest rates, credit risk, interest rate risk, management and etc. But for different banks have different management models, The degree of risk affected by the interest rate marketization is different. Therefore, managers must develop measures and countermeasures to deal with the interest rate market according to its own characteristics. This topic through the analysis of the interest rate market under the background of a rural commercial bank strategy, can make the rural commercial bank to catch the opportunities of interest rate marketization, reduce the loss and risk and draw on the advantages for avoiding disadvantages.First of all, this paper discusses the connotation of the marketization of interest rate,and analyzes the transformation process of China’s market-oriented interest rate reform.At the same time,this paper introduces the practice in developed countries and the developing countries in the interest rate market.The paper draws a inspiration for commercial bank of our country from the international experienceIn on the basis of the analysis of the interest rate marketization reform about commercial banks.Then in this paper the ZBLZ rural commercial bank is the object of study,and it analysis of the development status and the ability of the bank to deal with the interest rate market.It mainly points of the four aspects of the insufficient problem on preparation, management system, risk controland source of income before the bank in response to the interest rate market.On the basis of the analysis,This paper uses the relevant theories, from the four aspects of interest rate risk, credit risk, profit structure, operation and management analysis of the impact of interest rate market caused by the line.At last,in this paper the deepening reform of the coping strategies in the interest rate market is the competitive strategy of differentiation.And it concretely analyzes the price competition, quality competition and service competition strategy for target market segments.At the same time for the implementation of the strategy from the perfection of corporate governance structure, to improve business management, to strengthen risk management and control, and put forward the guarantee measures to strengthen business innovation.In this paper, the market-oriented reform of the interest rate and the ZBLZ rural commercial bank interest rate management combined with the actual research.Not only having the theoretical basis,bur also having empirical content.This paper has the certain theory significance and the practical significance with the interest rate market reform gradually.