The Impact Of Interest Rate Marketization On The Performance Of J Bank Shaanxi Branch

In recent years, the process of China's marketization reform of interest rate is in full swing, with the marketization reform of interest rate of our country continued steadily, the competition between bankings is increasing fierce, competition directly led to the bank deposit and loan interest rates reduced, leading to interest income reduced the speed of net profit growth will be subsequently decreased significantly. In addition, with the marketization of interest rate reform, the interest rate risk, credit risk will gradually emerge. Banks not only short-term business model, profit model will be challenged, long-term development will also face the pressure of transformation. Not only the business structure would have been the impact of interest rate market, internal management capabilities will be challenged. Only by continuously improving the overall quality of banks, in order to better adapt to the changes in the financial environment in the process of interest rate marketization. In order to long-term development, the commercial banks must be based on its own characteristics, identify the location, a positive innovation to determine the most suitable development direction, and constantly adjust and optimize the structure of assets and liabilities, income structure, and constantly improve the risk resisting ability, the ability of risk management and pricing power etc. in order to better ground of market-oriented interest rate reform.This article based on the research and analysis at home and abroad in recent years, the interest rate market correlation theory foundation, has the comparison and quantitative analysis, literature review and inductive and deductive research methods, by the j Bank Shaanxi Branch as an example, in guiding theory based on defines the connotation of marketization of interest rate in our country, and reviews the course of development of China's market-oriented interest rate, analysis the marketization of interest rate impact on the Commercial Bank of our country, on the basis of by reference the typical international(the United States, Japan, Argentina) the process of interest rate liberalization proposed a series of strategies.Our research shows that the on the basis of the analysis of the statistical data in Shaanxi Province of J bank in 2013 to 2015 the several main operating performance indicators, the deadline to present, although J bank branches in Shaanxi Province in recent years, the netincome still maintained a high growth rate, but the main part of the bank's annual net income is still spread income, so the credit business is still the most important business of J bank,although in recent years the bank intermediary business has a certain degree of development,but from an overall point of view, the main source of profit or bad loan. With the market-oriented interest rate reform, step by step forward, will eventually enter into market determined interest rate era, the attendant will be spread income has shrunk dramatically, if not as soon as possible to promote the business model transformation, vigorously develop the intermediate business, J Bank net profit income will have a huge impact.According to the above research conclusion, to the bank in the current market, how to better deal with the interest rate marketization reform put forward the following several countermeasures and suggestions: first, strengthen the business structure adjustment, change the profit mechanism; second, to optimize the credit structure, vigorously the development of small and medium enterprises credit work; third, increase product innovation, and vigorously promote the development of intermediary business, raise the proportion of the profits of intermediate business income; fourth, strengthen the management and control of interest rate risk; fifth, deepening the reform of management system, strict construction norms of corporate governance structure.