The Impact Of Interest Rate Marketization On Commercial Banks

The process of interesat rate marketization,the government is opening rate control step by step,to the market to pricing process. Intereest rate marketizati on in our country,draw lessons form the advanced experience of western countries to promote interest rate marketization,the gradual reforms,the area of opening the government interest rate control,step by step after 19 years in advance,has made significant progress,to commercial bank’s operation and development bring a lot of the influence of many aspects.Based on the theoretical review of Chinese and foreign interest rate marketization,the review and development of China’s market-oriented interest rate,from various angles expounds the impact of interest rate marketization of commercial Banks.First is the interest rate pricing.Before the marketization of interest rate,we have been performing is the national pricing or government guidance pricing,after interest rate marketization,the interest rate is determined by the market,who can have interest rate advantage,who have plundered the strength of market resources,commercial Banks face the fierce market competition,deposit insurance system also arises at the historic moment.Second,the spreads are mentioned. Market-oriented interest rate will inevitably lead to deposit interest rates rise,the loan business by asset size,and the objective environment constrains floating space is limited,the main source of commercial Banks rely on earnings spreads face a crisis increasingly narrowed,and the author collected including state-owned joint-stock Banks,the private joint-stock Banks and city commercial bank’s 10 comme.rcial Banks,for example,by comparing the 2011-2014 of its law of development spreads, verify the conclusion. Again, the marketization of interest rate are mentioned for promoting effect in the development of commercial Banks. Commercial Banks gradually, for example, adjust the structure of their assets and liabilities, looking for a new way of capital operation, optimize the allocation of resources for returns, then transform such as commercial bank management, constantly blaze new trails, to vigorously develop intermediary business, created by intermediary business income share in the profit of commercial Banks is getting heavier and heavier, the author still above 10 samples data bank, for example, from 2011-2014 were analyzed, the development trend of the proportion, verify the conclusion. Finally, the article mentioned the marketization of interest rate brings the challenges of the commercial Banks. Due to historical reasons in the commercial bank assets and liabilities of the business of the whole system of business is bigger, because of the influence of national policy guidance, customer structure is not reasonable. Although commercial Banks have been vigorously develop intermediary business income, but accounted for only 20%, depending on the spreads the profit mode of operation in crisis. The assets of commercial Banks business pricing power to strengthen, passive to accept the market price, to follow blindly, no clear measuring their cost of capital, the interbank lending business of its commercial Banks often do not follow the market pricing principle, destroy the market order. Facing price competition, commercial Banks suffered funding pressures and a liquidity crisis. Influenced by assets business high interest rates, asset quality will fall.Finally, the author simply introduces the commercial Banks for interest rate liberalization impact of coping strategies.The above content on the basis of theoretical analysis and empirical test, combined with the present situation of the commercial bank’s development, summarizes the influence of interest rate marketization of commercial Banks, hoping to help commercial Banks to realize the economic situation, straighten out the development direction, in the tide of economic reform, skip over the waves, go forward.