The Reseach About The Transformation Ofbusiness Structure Of Commercial Banks Under The Background Of Interest Rate Liberalization

In October 24, 2015,people ’s bank of china give up control of deposit interest rate’ upper limit of Commercial banks and rural cooperative financial institutions. That marks the last 23 years of market-oriented interest rate reform was finally settled.In this process,With the system of bonus about interest rate control,commercial banks gain excess return,form a business model which follow the economic cycle. With the upper limit on deposit rates liberalized, Chinese commercial banks lose the conveniences which the water rose and the ship is also high.Optimize business structure,and explore business development from "stresses growth" to "talk about speed," shift from "stresses quantity" to "quality to speak," the direction of change "double turn" mode of operation without delay.Based on literature analysis,statistical analysis, comparative analysis,Listed commercial banks first three quarters of 2015 based on financial data,and China’s interest rate liberalization, this thesis researches in these areas: analysing the current situation that business structure of assets, liabilities and non-interest income business structure,the interest rate liberalization’effect on different business structure and comparison with the United States, Japan and Taiwan,put forward policy suggestion on transformation of banks ‘business structure.Firstly, expound commercial bank management theory and market-oriented interest rate theory,such as Commercial bank assets and liabilities management theory, portfolio theory, differentiation strategy theory, synergy theory, financial innovation theory;secondly,overview from commercial banking, asset structure, debt structure, intermediate business structure point of view the current development of commercial banks and inadequate,In order to explore commercial banking restructuring nextly;thirdly, research on how the interest rate liberalization effects structure of commercial banks assets, liabilities, business, intermediate business and comparising with the United States, Japan and Taiwan.Learn and reference the lessen.Finally, with the backdrop of the current economic environment, from innovating liability business structure, balance the relationship between minimizing the cost of debt liabilities and stability; optimize the business structure of assets, balance the relationship between maximization of interest-earning and liquidity;adjust non-interest income business structure balance the relationship between risk and return.