Researce On The Market Positioning Of Small And Medium-sized Commercial Banks In China Under Interest Rate Marketization

At present,China's state-owned commercial banks still dominate the banking system,and other small and medium-sized commercial banks are not large enough and their competitiveness is also lacking.According to the international experience,interest rate marketization will lead to more intense competition between commercial banks.Commercial banks' profitability will gradually change,the number of bankruptcy banks continues to increase and the market concentration continues to increase.At present,the deposit business and loan business is still an important business model of small and medium commercial banks,deposit and loan interest income is still an important source of small and medium commercial banks.With the completion of China's interest rate marketization,it is foreseeable that China's commercial banks,especially small and medium commercial banks,will encounter a greater impact.Small and medium-sized commercial banks provide financial service to China's large number of small and medium enterprises.They are very useful for China's small and medium enterprises to ease their financing difficulties.The healthy development of small and medium-sized commercial banks restricts the development of small and medium-sized enterprises in China.Therefore,it is of great theoretical and practical significance to study the market orientation of small and medium-sized commercial banks under the conditions of marketization of interest rate.Under the background of interest rate marketization,this paper analyzes the market positioning of small and medium commercial banks,which has strong effectiveness.This paper systematically analyzes the current situation of banking industry and the strategic environment of market positioning of small and medium-sized commercial banks under the condition of marketization of interest rate.Through the establishment of the model,the panel data are used to analyze the impact of interest rate marketization on the profitability of commercial banks in China.The main content of this paper is divided into five parts,the first part of the literature review and related concepts defined.This part combs and reviews the relevant theories of interest rate marketization of domestic and foreign scholars on the influence of small and medium commercial banks and market orientation,clarifies the research object and provides theoretical support for the whole text.The second part briefly introduces the current situation of China's banking industry and analyzes the internal and external strategic environment and competitive strategy choice of China's small and medium-sized commercial banks.The third part analyzes the status of small and medium-sized commercial banks' deposit and loan business,and analyzes the impact of interest rate marketization on the profitability of small and medium-sized commercial banks.The fourth part analyzes the characteristics and existing problems of the market positioning of small and medium-sized commercial banks from the aspects of customer positioning,business location and product positioning of small and medium-sized commercial banks.The fifth part puts forward specific policy suggestions on the problems existing in the market positioning of small and medium-sized commercial banks,aiming at improving the accuracy of market positioning of small and medium-sized commercial banks and promoting their development.