Research On The Impact And Countermeasures Of Interest Rate Mercerization Reform On China's Rural Commercial Banks

Commercial bank is very important in the financial system in our country,interest rate marketization and direct effects on major reform of the financial system in our country,so it will certainly to our country commercial bank management mode and development path of indelible huge impact.In the path of constant interest rate liberalization,the business model of commercial Banks,risk management ability and the way of business development path and the profit will be even more of a challenge.As in the laying of China branches of most financial institutions,rural commercial Banks,such as innovation and development of the local commercial Banks will be one of the major breakthrough point of financial reform in our country.Local commercial Banks in China in recent years,though,have made substantial progress,but compared with the state-owned Banks,the asset scale,the number of institutions,staff number and business varieties,etc,but also far.Party's eighteen big report will be listed in one of the future development direction of China's urbanization construction,as the mainstay of rural financial,local commercial Banks had borne the brunt of the urbanization construction as the main financial support.The people's bank of China has announced a cut in financial institutions RMB loan and deposit rates and the deposit insurance regulations(draft)",the faster and faster pace of market-oriented interest rate.Market-based reform of interest rates will lead to increased competition in the banking industry,a single local commercial bank business,software and hardware facilities and talent can't keep up with,can only raise deposit interest,lower loan interest rates to attract customers,this will greatly increase the management risk of the local commercial Banks,development issues more prominent.For small and medium-sized commercial Banks,the realization of the RMB interest rate marketization will bring more opportunities and better development,and can rapidly enhance the competitiveness of the state-owned Banks,to improve its market position.But at the same time,small and medium-sized commercial Banks are faced with the challenge of marketization of interest rate brings also cannot small gaze.Interest rate marketization reform of our country,therefore,the influence of the rural commercial bank has important significance and countermeasure research.The first part is introduction.This paper puts forward the main research ideas and research methods of this article.The second part is about the theory of interest ratemarketization.This chapter mainly expounds the concept and characteristics of interest rate marketization,this paper expounds the theory of interest rate decisions,interest rate,interest rate conduction theory development theory,the paper lays the theoretical foundation for below.The third part is the overall review of China's market-oriented interest rate reform process.Expounds the background of market-oriented interest rate reform in our country,combed the implementation of market-based reform of interest rates after a long development process.At the same time,analyzes the principle of market-oriented interest rate mechanism.The fourth part is to analyze the influence of the rural commercial bank interest rate marketization reform.First of all,combed the rural commercial bank in our country in recent decades of development with its own characteristics,and SWOT analysis method to analyze its advantages and disadvantages.Subsequent to the market-based reform of interest rates to the influence of the rural commercial bank management and mechanism are analyzed.The fifth part is our country rural commercial bank how to deal with the interest rate marketization reform countermeasure research.Through to the domestic and foreign experience for reference,and combining with experience working in bank,puts forward the mechanism of reasonable orientation,business innovation,and outstanding advantages,the strategy choices of personnel training and so on.Hope this can promote the reform of rural commercial bank in the marketization of interest rate in the further development.