Commercial Bank Under The Mercerization Of Interest Rate Of The Private Business

China’s interest rate marketization process from the beginning of1989, hasbeen in the market to promote the course of nearly20years. This in the courseof20years, the revolutionary change of the Industrial Bank, the conventionalpull assets business on private business into debt, is pulling the non debtliabilities business. At present, the national policy on the financial market is alsochanging with the interest rate marketization in-depth, recently, the people’sBank of China three times to adjust the floating range of deposit and loaninterest rates, this means that the process of interest rate liberalization wouldpromote more rapid, followed by the distribution of social wealth patternchange, make the Industrial Bank Taiyuan branch of the private business morediversified development.This article from the interest rate marketization process of the IndustrialBank Taiyuan branch, combined with the actual situation of the private business,on the study and analysis of marketization of interest rates on the basis of theinfluence of the Industrial Bank Taiyuan branch of the private business,combined with the actual situation of Taiyuan branch of Industrial Bank, thispaper puts forward the strategies Industrial Bank Taiyuan branch of the privatebusiness problems, has important significance for the private business of theIndustrial Bank Taiyuan branch core development. This article consists of sevenparts, about forty-five thousand words. The first part is introduction. Conduct feasibility studies through therelevant literature, the Taiyuan branch of the Industrial Bank and othercommercial banks on the development of private business in the future to havethe important meaning of framework. This article selected topic background andthe theoretical foundation and the significance of the topic, to illustrate theimpact of the Industrial Bank Taiyuan branch and the development of domesticand foreign market related interest rate process.The second part is theoretical literature review. Has important significancefor theory development direction of private business of the Industrial BankTaiyuan branch. Through the review of related theories and literature, analysisthe impact of the Industrial Bank Taiyuan branch at present, discussed theinfluence of Societe Generale Bank industry faced, describes the status of themarketization of interest rates and the future direction of development,"thecentral bank to adjust interest rates introduced" chart, analysis of interest ratemarketization theory on the impact of the Industrial Bank Taiyuan branch.The third part is the present situation of the private business liabilities ofthe Industrial Bank Taiyuan branch. Has basic significance for future industrialbank Taiyuan branch business customer structure, business structure,profitability, internal management. Section through a combination of basicinterest rate marketization theory deals with Industrial Bank in the interest ratemarket in the background of the private business debt, and puts forward thecountermeasures and liabilities business overall train of thought. By combiningwith the actual situation of Taiyuan branch of Industrial Bank, put forward toface the private business debt problems and their solutions.The fourth part is the present situation of the Industrial Bank Taiyuanbranch of the private business of non debt. On the creation of non debt serviceof future products, and risk control, personnel positioning, institutionalframework to set up a constructive significance. Study on the industrial bank tothe private business of non debt chapters, including non debt business structure, customer profitability, non debt structure are analyzed in detail, puts forward thesolving scheme.The fifth part is on private business safety risk assessment. It wasimportant to the Industrial Bank Taiyuan branch of the private business how tocontrol the risks. The chapter includes analysis of safety risk factors, improvecredit quality, enhance the off balance sheet quality, speed up the growth rate ofsavings, business access and pricing of risk were reasonable explanation andsolution.The sixth part of the private business specific marketing plan. On theIndustrial Bank Taiyuan branch of the private business products how to useintegrated marketing breakthrough significance.The seventh part is conclusion and prospect.The innovation of this paper lies in the development of private business,the blueprint for the construction process of marketization of interest rate in theIndustrial Bank Taiyuan branch of the future, solves the problem of theIndustrial Bank Taiyuan branch to the development of private business in themarketization of interest rates, of debt and non debt pricing, private business inthe product design, and security risks lines blank.