Research On The Influence Of Interest Rate Marketization On Commercial Banks' Earnings

After the Third Plenary Session of the Third Plenary Session of the financial reform in China to accelerate the pace,and interest rate market as an important part of the financial reform,close to twenty years of reform to now has been basically achieved deposits and loans,the interest rate marketization.Interest rate market can really implement the Third Plenary Session of the party's eighteen focus on making the market play a decisive role in the allocation of resources to deepen economic reform,the guiding spirit.Fully mobilize social resources to effectively configure,promote fair and reasonable market competition,and further promote the development of China's macro economy.However,the interest rate market will have a relatively large impact on the traditional commercial banks in China.Traditional business is conducive to the national policy support,enjoy the bonus system,the profit model is relatively simple.International interest rate market in the successful implementation of the country showed that: the interest rate market in the commercial banks more space,but also the formation of a larger impact on commercial banks.Therefore,under the background of interest rate marketization,how to face the impact of China's commercial banks profit model change and strategy choice has become the main research topic,but also the realistic significance of the research.This paper first introduces the present situation of the domestic and foreign interest rate market,and then analyzes the theoretical basis of the interest rate market.The process and direction of the interest rate market in our country is introduced,and the general effect of the interest rate market in China is analyzed.From many factors,this paper analyzes the selection of the most important commercial banks' earnings impact on the theoretical and empirical research,gives some measures to deal with in the end.