Research On The Effects Of Interest Rate Liberalization To Commercial Banks Profit Model And Strategies

China's interest rate market reform since 1996 officially launched,after nearly twenty years of exploration,is entering the full sprint stage.The interest rate market has brought the unprecedented opportunity for our commercial banks,but also put forward a challenge to its management and adaptability.On the one hand,the bank will get the interest rate product independent pricing,so as to further promote the financial industry's innovation and development;on the other hand,the bank's capital strength and business strategy,become the key to success in the interest rate market reform.Commercial banks need to face the situation correctly,timely,and actively develop response measures to achieve effective development.Usually,Interest rate market should take through a long period of reform process.However,the developing countries in the economic system,the financial system to a certain extent,it is still to be improved.Therefore,the interest rate market reform in developing countries will face more uncertainty.To China's small and medium commercial banks,the impact is huge.This paper begins with the background and process of our interest rate market,and analyzes the impact of interest rate marketization on the profit mode of banks.Based on the empirical analysis of JN branch of China CITIC Bank,the paper puts forward the countermeasures and measures based on the actual development of China CITIC Bank.Under the market economy system,the macro control mechanism and the micro operation mechanism are not the interest rate adjustment.Therefore,the interest rate market is the inevitable trend and result of the market economy.From the current domestic financial system,commercial banks in the current financial institutions in the absolute dominant position,but also in the national economy and the financial system plays a leading role.The stability and development of commercial banks is not only related to the bank itself,but also has a pivotal impact on the whole financial industry,which is related to the financial security and economic development of the whole country.Therefore,the reform of the interest rate market in our country will have an urgent need to study how to deal with the profit model of commercial banks and how to deal with the reform of interest rate market.After the full realization of the interest rate market into the sprint stage,commercial banks profit model will be a major impact.Based on this,the author mainly analyzes the interest rate market and its impact on the profit model of commercial banks.At the same time,it analyzes the practice of China's commercial banks and discusses the strategies of the market oriented of China's commercial banks.In the trend of the reform of the interest rate market,China CITIC Bank must comply with the tide of national financial reform,correctly understand the situation,objective analysis,rational face,take the initiative to adapt to the reform trend,and take full advantage of the market opportunity brought by the reform of the interest rate market,changing business ideas,optimize the business model,to build a differentiated competitive advantage,to achieve sustainable development.