Research On Interest Rate Risk Management In The City Commercial Bank Of Hebei Province Under The Marketization Of Interest Rate

In the process of reform and development, our country has always attached great importance to the interest rate market-oriented reforms in recent years, the central bank also frequently introduced policies to promote market-oriented interest rate reform, the pace of interest rate market has been unstoppable. July 2013 the central bank canceled the restrictions on lending rates. October 2015, the People's Bank canceled the relevant financial institutions in urban and rural areas of the deposit interest rate floating limit. China exchange rate market reform marks another important step forward.Firstly, the interest rate market-oriented domestic and foreign relevant research and theory to sort out, as a basis for further explore the city commercial bank interest rate risk prevention issues in Hebei Province under the background of the interest rate market is. Then, the main city in Hebei province introduced the development of commercial banks. City commercial banks in Hebei Province has the following characteristics: fast growth of assets and capital have been expanding; market positioning small micro-business to achieve specialization; weak management capacity; internal risk management and control system is not perfect. By analyzing the advantages and Hebei province City firm noted that the potential impact of interest rate slightly market in Hebei province city firm. Next is the case study, by comparing the data bank Hebei Cangzhou Bank, Bank Tangshan and Chengde Bank and Bank of Beijing's interest rate sensitivity, and analyzed one by one, pointed out the Hebei city commercial banks should be Beijing as a template, change the past, inherent profit model, business model to accelerate the transformation and upgrading, expansion of intermediary business earnings ratio, in order to reduce interest rate risk. Then, again the most representative firms in Hebei Province city of Hebei bank interest rate sensitivity gap analysis. Finally, the analysis showed that Hebei city commercial interest rate sensitivity is too high, a greater interest rate sensitivity gap, in the process of marketization of interest rates, interest rate risk will face serious problems.For analysis of the above issues, this paper gives some suggestions and measures to help firms City Hebei reasonable to avoid interest rate risk, enhance risk management. It includes the following aspects: First, establish a sound risk control mechanism. Improve the interest rate forecast system, optimize the structure of assets and liabilities, according to forecast rationally adjust the structure of assets and liabilities. Second, the market position of small and micro enterprises, to provide customers with high-quality personalized service. Third, enhance pricing power and financial products, intermediate business expansion. Through the above series of measures to effectively circumvent the reasonable interest rate risk. In the interest rate market background, we would like to contribute the healthy development of Hebei Province city commercial bank a force.