The Research On The Development Of The Financial Interbank Business In Urban Commercial Banks In The Process Of Interest Rates Marketization

Market-oriented reform of interest rates is the desirability and inevitable result of one country's financial industry development.Also,it is the core problem of one country's economic system reform.With the gradual advance of Chinese market-led interest rates reform,commercial banks are increasingly facing the enormous impact and huge challenge of interest rates maketization.Compared with the large state-owned commercial banks,city commercial banks have some prominent problems,such as small asset size,weak competitiveness in traditional business,relatively lagging of intermediary services,poor ability of inter capital transfer pricing,and weak interest rate management ability.After the implementation of interest rates maketization,city commercial banks are in a disadvantage position obviously.They will feel more severe impact.This impact is not only reflected in the narrowed net interest margin,but also embodied in the fierce competition from some large banks.In the process of interest rates marketizaiton,the bargaining power of top quality enterprises are increasing,and then the competition in traditional credit business becomes more cruel.Therefore,city commercial banks should take full advantage of their comparative advantage to better satisfy the medium-sized enterprises' diversified financing demand.What's more,city commercial banks need to bring about strategic transformation,abandon the old homogeneous operating mode,and improve their profitability and management level.Especially strengthening the creative exploration in financial market to realize differentiated and integrated operation.Along with the deepening of financial disinter-mediation in recent years,the financial trade business raises rapidly,and becomes the focus attention for financing institutions and supervision department.Because the author herself works at a city commercial bank,this paper choose to study the application and development of financial trade business in city commercial banks.The main purpose is to make some contribution to the research of city commercial banks transformation development strategy.