Research On The Prevention Of Bank Systemic Risk Under The Condition Of Interest Rate Marketization

Since People’s Bank of China opened Shibor from 1996,China has changed a lot through these years.After 2012,the trend of interest rate liberalization begins to accelerate.Especially on October 23,2015,the central bank cut interest and benchmark rates at the same time announced open the floating upper limit of deposit interest rate,which means the final step of our country’s over twenty years’ s interest rate liberalization has been completed the final step.With release of deposit interest rate regulation,deposit and lending interest rates of commercial banks will show the new changes,which have a major impact on the business of commercial banks.In this paper,I analyze the process and the law of interest rate liberalization abroad,It’s concluded that China will follow a progressive way of interest rate liberalization which is adopted by the most of countries,that is step-by-step releasing deposit and lending rate.Meanwhile,based on the foreign banks’ experience,we acknowledged that interest rate liberalization bring the revolutionary impact on the banks,such as cost of carry will be minimized,rejection rate rise,the profit decrease and so on,and accompanied by the wave of the economy’s entity.Based on analysis of domestic and abroad banks’ experience,this paper concludes the following measures and suggestions.1.Promote refined management of credit risk,the banks manage customers’ relationship diversification in the scientific method.2.Consolidate the assets and liabilities management of the banks,raise the manage power on interest rate and mobility3.Construct the pricing system of banks,introduce marketization pricing system into management4.Upgrade refined management of data,applying data exploit technology upgrades marketing analyze powerFurthermore,this paper sum up strategic suggestion for medium and mini companies on the respond to interest rate liberalization1.Adjust and optimize business structure2.Push company’s financial business forward into diversification3.Financial services develop into customized and comprehensive4.Information technology’s development create large room for channel’s creation of bank’s service5.Develop network and mobile financial heavily,expand the mode of service’s creation6.Work hard on forming business characteristic...