The Study On How The Chinese Commercial Bank To Cope With Problems Better In The Backgroundof The Interest Rate Liberalization Reform

Since 1996,the interest rate market reform has been implemented for nearly twenty years,and formally completed in 2015.The interest rate liberalization is the important content of the reform of the financial system in China,which is the government and the central bank to relax and cancel the interest rate control,and the market supply and demand of funds in order to determine the interest rate.The nature of the interest rate market is full of interest rate as the price discovery function,the relationship between supply and demand of currency market interest rates,banks and other financial institutions can be free to set interest rates so as to improve the efficiency of resource allocation of funds.Because commercial banks play an important role in the financial system of our country,therefore,facing the impact of interest rate market reform,our commercial banks should choose to take what kind of countermeasures is of great practical significance for the overall stability and sustainable development of China's financial systemIn this paper,through the collation of the United States,Japan,and other Latin American countries have completed the historical data of interest rate,the market that the deposit interest rate will make the commercial bank deposit interest rates,volatility of interest rates increase,deposit and loan interest rates will be rapidlynarrowed in the short term,in the long term will be increased;at the same time,summed up the experience in the interest rate market reform and lessons of these countries,and analyzed the influence to the country's commercial banks to interest rate marketization.According to the actual situation of the management of China's commercial banks,selected 10 commercial banks in China from 2005 to 2015,nearly ten years of actual operation of financial data as the basis of the research,analysis of the impact of industry of our country commercial banks competitive position,profitability and risk management and other aspects of the market interest rates.At the same time,the author in the daily work of the commercial bank cash management,bank transactions,structured financing deal with the interest rate market,financial disintermediation of financial innovation program as an example for China's commercial banks in risk management,profit model and customer management and other aspects of how to better deal with the deposit interest rate market reform suggestions.