The Research Of Influence To Small-and-Medium Sized Banks Caused By Interest Rate Liberalization And Suggestions

Since 2012, the central bank in China has gradually liberalized the financial institutions to deposit and loan interest rate control, China's interest rate market reform process continues to advance. At present, China is in a critical period to promote market-oriented interest rate reform, it is necessary to understand the challenges and opportunities of the interest rate market, especially the small and medium-sized commercial banks, the total assets of which is relatively small. As an integral part of the banking system in our country, small and medium-sized commercial banks play an important role in the development of China's economy. With the continuous progress of the interest rate market now, small and medium commercial banks not only face the fierce competition in the traditional business market, but also have to improve their management systems in order to respond to the impact of interest rate market. So based on the current situation and characteristics of China's small and medium-sized commercial banks, this articleanalyzed the challenges and opportunities of small and medium-sized commercial banks, explored the strategies to face the market reform, so that small and medium-sized commercial banks could better seize opportunities and avoid risks in future.According to previous studies in this area, this essay focuses on the reviews and explorations from two respects. Firstly, South Korea and Japan histories of the market-oriented interest rate reform process are introduced and analyzed, so that we can recognize the problems and the experiences of the reform process. And then with SWOT method, we determine the strengths?weaknesses?opportunities and threats of small and medium-sized commercial banks in the interest rate market, so that they can position themselves?judge themselves and make the right decision. Secondly, we point the risk of bankruptcy of small and medium sized commercial banks with empirical analysis, mainly involved in 10 cases, the risks and opportunities of Qi Lu bank are then analyzed statistically, and useful guidance for the steady development of medium and small commercial banks is also put forward.Based on the survey of the whole situation, the article mainly studied challenges and opportunities for Qi Lu Bank. Through all of these analysis, it can be naturally to draw the result that the interest rate liberalizationreform maybe contribute to more risks to small and medium sized commercial banks, such as Qi Lu Bank, and at the last this essay proposes some feasible ideas for their development in this new policy environment.