A Research Report On The Interest Rate Liberalization On The Pearl River Delta City Commercial Banks

Along with the further deepening of interest rate marketization in our country,financial institutions will subsequently transformational change,promote market-oriented enterprise,innovation of technology and tools.Under the impact of the so according to international practice,small and medium-sized Banks inevitably under tremendous pressure.The current during the period,the key of the development of our country commercial bank opportunity with challenge.In front of the commercial Banks,therefore,only positive change,to adapt to and guide the new normal economic development,effectively strengthen the market competitiveness,promote the sound development of economy in our country.The Pearl River delta City businesses with unbalanced development,the characteristics of small scale,the overall financial situation in the middle and lower reaches of the same size in the city business,the low level of financial,faced with management risk and credit problems,and even cause some commercial Banks bankruptcy liquidation: Shantou,Foshan commercial Banks commercial Banks,for example,it has declared bankruptcy in 2002 and 2002.The marketization of interest rate for businesses is undoubtedly worse.Firm as the research,based on the Pearl River delta city according to the researches on the influence of interest rate liberalization is,trying to further understand the impact of interest rate marketization on city business,international and domestic bank failure or crisis of examples,further analysis city business in such an environment,can be adopted countermeasures.This article used the literature analysis,discussion research,data analysis,combination of study,to obtain high reliability of data,comparative analysis of the experts and scholars to understand the status of the firm's current development in the pearl river delta,and the case for evaluation,so as to provide the basis for management and regulators,effectively avoid regional or systematic financial problems.The study found that the marketization of interest rate's influence on city business mainly includes: the index comparison shows that city businesses facing the great pressure of rising costs,lower earnings;Based on the marketization of interest rate for the savings and loan business has a powerful impact,cause city firm reliance on the savings and loan business unsustainable development;City businesses facing risk appetite to ascend,credit risk,interest rate and the frequency of the wave amplitude increases,funds in different markets and institutions increased flow frequency and the number of problems,strengthen the importance of interest rate risk and liquidity risk;Combined with the risk of interest rate changes frequently,rise,increasingly diverse and complex,competitors' pricing plan change pricing pressure in the city business;In such an environment,city business faced with complex and changeable market pattern,decision-making ability put forward higher requirements on its operations.This paper accordingly puts forward the new normal firm in the face of interest rate marketization under the challenge of plan,including: differentiation and characterization and expanding retail and intermediary business,fine management,effectively promote the successful transformation of small and medium-sized Banks,And by improving the research ability,expand the talent introduction and strengthen personnel training,improve the level of product development and marketing,promoting science and technology support,improving the quality of financial services,effectively promote the small and medium-sized Banks management decision-making ability.