Research On The Development Of Intermediary Business Of Rural Commercial Banks Under The Background Of Interest Rate Marketization

In this paper,through the study of rural commercial bank current development status of the intermediate business,which still remains in the traditional settlement of intermediate business,derived process of interest rate marketization in rural commercial bank intermediary business innovation.To an important part of the local financial system of Baotou rural commercial bank as an example.Analysis Baotou rural commercial bank s intermediate business innovation and the existing problems,such as the lack of brand effect and service quality is low,the business philosophy has error,marketing,such as the lack of.Through the analysis of the interest rate marketization in our country has entered the stage of completion,the competitiveness of rural commercial banks in the middle of the business and the problems in the process of the development of intermediary business.Propose the countermeasure and suggestion of rural commercial bank intermediary business development finally,has yet to reform of rural credit cooperatives provide important theoretical value and significance.In the current complex economic situation,in 2015 China's economic development trend is also not optimistic.Central behavior to promote stable and healthy economic development,adjust the economic structure,the provisions of the beginning of October 24,2015,the benchmark interest rate for the bank to adjust,the implementation of the reform.The purpose of the central bank's move is mainly through the benchmark interest rate cut to achieve the purpose of reducing the cost of social financing.The central bank cut interest rates this year,the central bank cut interest rates fifth times,marking the speed of China's financial reform,the basic completion of the interest rate market.The completion of the interest rate market will have a significant impact on the whole society and the economy,especially in rural commercial banks with loans as the main business.Baotou rural commercial bank in May 2014 formally established,which is a commercial banks by the transformation of Rural Credit Union and Baotou City,the first rural commercial bank.The increasingly fierce market competition,Baotou rural commercial bank is facing not only the transformation from "brand" to "system" and realize the rural credit cooperatives to agricultural firms from the inside to the outside of new transformation.Under the market system,the interest rate of the bank also needs to face the market.This means that banks will be faced with to further strengthen the pa ce of mergers and acquisitions,including rural commercial bank in the past monopoly advantage was completely broken.The traditional deposit and loan business scale and profitability are seriously curbed,only to find new profit growth point,vigorously i nnovation and development of intermediate business and life in order to get sustainable development,and to maintain long-term competitiveness.Rural financial market as the subject,just from the rural credit cooperatives restructuring near rural commercial bank,both in terms of system,human resources,technology is relatively backward,how to in the fierce competition vigorously develop intermediate business,is worthy of our exploration are discussed.