The Effect Of Interest Rate Marketization Of Commercial Banks And Countermeasures Research

In this paper,the domestic and foreign research achievements and related theory as the theoretical foundation,the first mutual influence of non-performing assets on the economic development of the region and the bank made a qualitative analysis,pointed out that the economic development of the region and the bank credit bank credit will influence each other,with the fluctuation of economic development,and effect on the economic development;influence of regional economic development of banks the bad assets from the financial market environment,the bank credit asset quality and bank non-performing assets ratio of these aspects;also pointed out that the non-performing assets of banks are restraining credit issuance,influence the financial stability and economic development in the region affected by inflation or deflation and other channels.Then,taking Zhengzhou area as the object,the change of the relationship between economic development and the bad assets of banks in the region to carry on the empirical research,the empirical results show that a long-term relationship,between the Zhengzhou area economic development and the bad bank assets change at the same time,this relationship according to different periods show different effects.Finally,according to the results of the empirical analysis,the paper puts forward some countermeasures from two aspects of the government and the bank.The government level,one is to correctly handle the relationship between regional economic development and the bad assets of the bank;the two is to improve total factor productivity,enhance the driving force of economic development;the three is to promote the development of financial market and credit environment construction.Bank level,one is to enhance the ability of the bank's internal control;two is to strengthen the risk control of economic development and change;the three is the correct handling of credit assets and credit.