Research On The Business Transformation Of A Commercial Bank Under The Interest Rate Marketization

As a central part of China's financial reform,much attention has been paid to the advancement of interest rate liberalization.Inrerest rate liberalization can give full play to the critical role of the market in the allocation of resources,improve the efficiency of the operation of the financial system,promote the balanced development of the whole macro economy.However,interest rate liberalization reform is a complex and multifaceted process,for A commercial bank,this is a reform of both opportunities and challenges.For China,the current system of A commercial bank is still not mature,the system and mechanism both not perfect,it will be more vulnerable in the liberalization of interest rate.Therefore,how to accelerate business transformation under the background of interest rate liberalization in order to obtain long-term development will become the important problems in the study stategy of our country A commercial bank,is also the practical significance of this paper.With the development of openness of the financial market,economic reform has become a necessary condition to accelerate economic development in our country.After 30 years of effort,the reform has been effective,the socialist market economy has been established at a preliminary level.However,the speed of financial system reform is slow,restricting the further deepening of economic reform,and the interest rate liberalization plays a core role in the financial system reform.Low interest rates under control distort commodity prices to some extent,resulting in misallocation of resources,and interest rales do not function well as economic leverage.Non-market interest rates limit the financial maket efficiency of reform,accelerating the process of interest rate liberalization is the key.Coupled with the siowdown in China's economic growth,economic restructuring,the impact of financial disintermediation,information technology development and other aspects of development,it's inevitable for A commercial bank to transform business models.Based on A commercial bank as the research object,which based on the theory of interest rate market,and connecting with the current situation of A commercial bank,to find the problems of A commercial bank,and analyze the causes.This text has proposed some countermeasures and suggestions for the business transformation of A commercial bank,At the same time,this text has provided relevant theoretical supports for the business transformation of similar commercial banks.