Study On The Impact Of Interest Rate Marketization Of Local Corporate Financial Institutions

The relationship between the local corporate financial institutions and local economic development closely, mainly in agriculture and small and micro groups such as the main target, have made outstanding contributions to the local economic development and social stability. However, local corporate financial institutions interest rate marketization reform on its own financial strength is weak, the imperfect risk control system is gradually emerging, so the influence of local corporate financial institutions in the interest rate market and how to deal with become our thinking research focus.In view of the local corporate financial institutions operating conditions have great similarity, this paper uses the case analysis method, selects the Dong’e rural commercial bank as the research object, through detailed study of the Dong’e rural commercial bank, to the point of local corporate financial institutions influence and coping strategies were described. This paper stands on the Bank of Dong’e rural commercial strategic development angle, elaborated on the interest rate market related financial theory, SWOT method is used to analyze the Dong’e rural commercial bank in the interest rate marketization reform in the status, through a large number of field research, and learn from foreign medium and small banks to deal with the interest rate market experience and lessons then, combined with the development status of Dong’e rural commercial bank, puts forward five policy suggestions to deal with the interest rate market, deepen reform,improve the management level of the company; based on the "three rural", good service small and micro, identify their own market positioning; actively construct a comprehensive risk management system, and do a good job of interest rate risk liquidity; do a good job in the business transformation and financial innovation, and actively expand the intermediate business. In the environment of market-oriented interest rate reform, achieve social and economic benefits of "win-win" situation with advanced risk management and the optimal asset structure.