Analysis Of The Influences On Interest Rates Liberalization On X Finance Corporation

Since China joining into WTO bring economic globalization and the rapid development of information technology, the rapid development of financial innovation and financial market. In 2012 the People’s Bank of China issued for the decline in deposit and loan interest rates at the same time, expand the floating space asymmetry in deposit and loan interest rates, after completely liberalized lending interest rate regulation, it is considered to be the central bank opened the prelude to the market-oriented interest rate reform "battle". The liberalization of interest rate impact on financial corporation is There was no parallel in history., far-reaching impact on financial corporation more and more profound understanding to the liberalization of interest rates changes brought about by the interest rates liberalization.The interest rates liberalization reform on the one hand will further optimize the allocation of market resources, stimulate the economy development; on the other hand, will also bring some risks and challenges to financial institutions. According to the characteristics of a group of financial business, analyzes the challenges and opportunities faced in their new study, focuses on the analysis of the new business and is highly related to the short-term and long-term effects of stand, combined with the actual situation, proposed financial companies to deal with the liberalization of interest rate policy, as the enterprise how to meet the challenge, in the new economic situation of reform and development of reference.According to the international market interest rates of other countries experience, the liberalization of interest rates, financial institutions generally narrow credit spreads, the total expansion accelerated, small and medium-sized financial institutions of different degree of operating difficulties. On financial companies, if not as soon as possible to the business transformation, rich product structure, will also face the interest margin, profit space smaller problems. At the same time, because of its single source of funds, can only absorb deposits in members of the unit, and the competition of the commercial bank, member units on deposit interest rate level will gradually increase, so will the financial business is a huge challenge.