Study On Interest Rate Strategy Of Market-oriented Reform Of Fuxin Bank

Market-oriented interest rate reform is an important content of the current financial reform in China, is a complex and systematic project, the banking sector is both opportunities and challenges, but the impact and challenge to small and medium-sized commercial banks will be more serious. In this article, through analyzing the current situation of Bank of Fuxin business, and from the aspects of business development and internal management in-depth analysis of the interest rate marketization or of the influence on Bank of Fuxin, analyzes the causes of the formation of these effects, and countermeasures are put forward.The influence of interest rate marketization of Bank of Fuxin business development can be summed up as to the business structure, customer structure and income structure, the influence of the internal management mainly embodied in the asset liability management, the influence of scale management, interest rate risk management and pricing power management. Based on SWOT analysis method under the condition of interest rate marketization is discussed the advantages and disadvantages of the Bank of Fuxin themselves and face the external opportunities and threats, to cope with the ideas and direction. Finally, aiming at the effects of various aspects, puts forward the countermeasures of Bank of Fuxin deal with market-oriented interest rate reform suggestions and safeguard mechanism, including the structure adjustment strategy, risk management strategy, business pricing strategy. Through the study of this article, try for Bank of Fuxin to explore a set of suitable for their own development of marketization of interest rate response.