The Impact Analysis Of The Interest Rate Marketization On China Merchants Bank

With the constant improvement of financial reform, China’s interest rate marketization is also gradually toward the end of the process, interest rate change has a great influence on the entire social economy. Commercial banks will be faced with the challenge and opportunity coexist situation in the advancing process of interest rate liberalization. On the one hand, the interest rate marketization intensifying competition between Banks, thereby increasing the challenges faced by the commercial banks, on the other hand, the interest rate marketization also allows commercial banks to enhance the efficiency of self-employment, Internet financial also brings new opportunities. The future commercial banks should increase the financial innovation and transformation, To optimize the customer structure and balance sheet structure direction to adjust.This paper will with China merchants bank as an example, combined with course of interest rate marketization in our country, analyzed the influence of interest rate marketization of China merchants bank business development. this paper mainly uses the case analysis of transverse and longitudinal mode, Combining foreign experience analysis the impact of interest rate market on China Merchants Bank debt structure, asset structure and other major aspects of the business or operations.After analysis, Combined with the management circumstance of China merchants bank, countermeasures are brought forward in the future in the process of interest rate marketization, it is necessary to developing targeted strategy according to their own characteristics. Main suggested countermeasures to improve the level of assets and liabilities management, perfecting the interest rate risk management system, optimize the credit structure, increasing the investment of the intermediary business and financial innovation, establish and improve the corporate governance and the talent training mechanism, etc., for China merchants bank in the process of marketization of interest rate can stand out to provide advice.