| From the current trend of global economic development, the interest rate liberalization is the inevitable result of the international financial market. In order to adapt its economy and finical to the international practice, China gradually has been promoted the reform on interest rate liberalization according to the real situation of our financial markets since 1996. Currently, we have finished the reforms on the bond market interest rates, money market rates and foreign currency deposit and loan interest rates liberalization. We have also removed the restriction on the upper limit of RMB deposit rate and the lower limit of RMB loan rate, and financial institutions continued to expand the floating range of lending and deposit rates. The promotion of interest rate liberalization brings development opportunities for our commercial banks, with the vigorous rights to operate independently, high flexibility in financial innovation. However, the interest rate liberalization has double effects, and the ceaseless development of interest rate liberalization leads to a constant interest floating. The main profit model of the commercial bank and joint- stock banks is the saving- loan rate spread. This thesis based on the previous numerous theoretical researches and formulated a serious relation models between rates and factors affect the commercial bank operation. We analyzed the rate floating influences on commercial bank operation through dates came from the case studies. At last, we give advice on the commercial bank deal with the challenges by interest rate liberalization, which has a significant meaning for the commercial bank stabilized operation and sustainable development.The first part analyzes the background and significance of this paper, then sorts up the literature review at home and abroad and finally points the research methods, innovation and shortcomings.The second part illustrates systematically the floating of interest rate and the current management of commercial banks against the interest rate liberalization. The interest rate floating mainly introduces the rate reform and current rate situation of commercial bank in the process of interest rate liberalization. The operation part mainly analyzes the financial data of our country’s commercial bank from capital, retained profits and non-performing loan ratio.The third part introduces the concepts of commercial banks operating performance, then analyses overall different sorts of operating performance appraisal system in commercial banks, and finally we choose Return on Assets as the operating performance appraisal system in this paper. At last, we conduct a theoretical analysis on the relation between the interest floating and operating performance appraisal system in commercial banks.The fourth part is the case studies. The research samples were came from sisteen listed commercial banks. The samples ranges from 2005 to 2014.We built a model based on the relationship between rates and effects influence the commercial bank operations to demonstrate the relations between the rate floating range and operating performance appraisal system in commercial banks.The fifth part made a conclusion based on the case studies and pointed out that commercial bank mainly focused on perfection pricing mechanism, the establishment of the fluctuation of the interest rate risk prevention mechanism, promotion of asset backed securitization, advancement of finical innovation and make efforts to cope with the fluctuations in interest rates. |
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