The Effect Of Interest Rate Market On Jinan Rural Credit Cooperative

With the development of the world economy, commercial banks to implement interest rate liberalization is the general trend International experience has shown that the probability of bankruptcy of small-scale banking institutions will increase significantly in the process of market-based interest rate reform. With the introduction of China's deposit insurance system, the bankruptcy of banking institutions will become a reality.At present, Jinan Rural Credit Cooperatives is still the main source of income deposits and loans spreads. Compared with other state-owned and large commercial banks, Jinan rural credit cooperatives intermediary business income accounted for still less. Therefore, the implementation of interest rate marketization is of great significance to the realization of sustainable development of Jinan Rural Credit Cooperatives.This paper first introduces the theory of interest rate marketization. Based on the impact of Jinan Rural Credit Cooperative on its development and risk control, this paper analyzes the organizational structure and pricing mechanism of Jinan Rural Credit Cooperative (RCC) under interest rate marketization and the ability to deal with interest rate marketization. According to the hindrances of Jinan Rural Credit Cooperatives on interest rate risk management, profitability and market competition, this paper points out that Jinan Rural Credit Cooperatives (RCC) are very important in the following aspects:system reform, wind control mechanism, transformation innovation, small micro business service, credit risk control, System construction and construction of comprehensive risk management system, so as to promote the overall risk control ability of Jinan Rural Credit Cooperatives under interest rate marketization, and provide strong suggestions and references for enhancing its core competitiveness.The first chapter mainly elaborated the research background and significance of this article, studied the main theories of the interest rate marketization at home and abroad, analyzed the domestic and foreign interest rate marketization of the main interest rate marketization of the main Content and main ideas. The second chapter mainly studies the main risk form and the evolution process of interest rate marketization. In chapter 3, taking Jinan Rural Credit Cooperative as an example, this paper analyzes the risk management framework and interest rate pricing model, and analyzes the ability of Jinan Rural Credit Cooperative to deal with interest rate marketization. The fourth chapter focuses on the impact of interest rate marketization on rural credit cooperatives in Jinan, and analyzes the beneficial and adverse effects respectively. The fifth chapter focuses on the specific countermeasures to deal with the adverse effects of interest rate marketization, and finally draws a conclusion.