The Influence Of Interest Rate Marketization On Chinese Commercial Banks

Look over the international financial market,The US,UK,EU and Japan has already finished their Interest rate marketization,which brought in-depth impact on the real economy.Historically,our country began in the late 90 s by the market-oriented interest rate reform,after that,our country's banking of market-oriented interest rate reform is ongoing.During this revolution,what kinds of challenges and impacts will the commercial banks face? How should the commercial bank deal with these changes?I studied the development of the loan/deposit volume,the trend of interest rate,and the changes on bank businesses in this article.We can see that although the loan/deposit volume is impacted very tightly,but as the source of the core banking profits,loan/deposit interest rate gap has a sharp changing,which will certainly bring great impact to our country banking industry especially commercial banks.So for our commercial banks,how to face the interest rate marketization reform has become the most important problem on the operation and management.