Research On The Development Of Small And Medium-Sized Banks In The Process Of Interest Rate Marketization:Challenges And Strategies

In order to better social and economic development,the state regulation of the financial industry began to relax the conditions to promote financial market becomes more and more freedom and liberation,as the means of regulating the interest rate,the market also began to gradually.The interest of the market can be said to be a national assessment in Finance or financial markets is an important basis for the development of mature also,the current social conditions,progress and direction of the banking industry and must.America as a developed country,has completed the domestic interest rate market reform,developing Asia South Korea also keep up with the pace of interest rate market,through various means,effective and law of interest rate marketization in China.In 2013 July 20 th,through announced the full liberalization of lending rates of financial institutions regulation,the pace of reform the interest rate market began a comprehensive.Although the interest rate marketization reform is the social and economic development,the financial industry,banking industry development must be on the road,but due to the current environment of most small and medium-sized banks is not very profound understanding for the market-oriented interest rate reform,and in The existence of small business development bank itself,defect conditions,resulting in the process of market-oriented interest rate reform,the domestic small and medium-sized banks with more opportunities at the same time,facing many challenges,and good development advantages brought by the interest rate market to better,improve their own development,more stable and the healthy development of small and medium-sized banks continue to be solved.According to the interest rate market related issues analysis,especially under the condition of interest rate marketization of domestic small and medium-sized banks faced the challenge of making system analysis,through deep analysis of interest rate marketization and the meaning,process and characteristics through the analysis of the United States and South Korea's national interest rate market,analyzes the process of domestic interest rate market experience at the same time and lessons on the current development environment of domestic interest rate market,small and medium-sized banks how to better face the challenges systematically,aiming to better in the interest rate market reform process,for small and medium-sized banks healthy,rapid and stable development,and the feasibility of the proposed reference.This paper generally through seven parts to carry on the analysis,the first part is the introduction of this paper,which is the main research content and research object to do simple discussion of the system,including the research background,research purpose and significance,research ideas and research status at home and abroad;the second part is the theoretical basis,in explain to the interest rate market at the same time,a brief description of other relevant theoretical knowledge,and financial repression and financial deepening theory and Marx's interest rate decision theory;the third part is the analysis of necessity and feasibility of the current domestic interest rate market reform,the current environment for survival and development of small and medium-sized banks in China This paper,through the interest rate market to bring the positive effect and opportunity advantage to lay the feasibility of reform of interest rates in the domestic market,and then combined with the advantages and the trend of social development,the paper analyses the necessity;the fourth part is for the current domestic interest rate market reform are analyzed,and points out that in the face of small the bank under the condition of interest rate marketization challenges;the fifth part is through the analysis of the process and characteristics of other countries in the interest rate market reforms,also pointed out that the domestic interest rate marketization can learn from the experience and lessons;the sixth part is the challenge by small and medium-sized banks and macro The concept of control strategy,effective way to formulate a response to the challenge of small and medium-sized banks in the marketization of interest rate,for small and medium-sized banks in the interest rate marketization reform and development environment to provide better reference;the seventh part is a summary of the full text,is the full text of the summary and outlook.