Research On The Influence And Countermeasures Of Interest Rate Liberalization Of Zaozhuang Rural Commercial Bank

The marketization of interest rates in China started relatively late.It was not until 2016 that the marketization was basically completed.However,the interest rate liberalization reform has a great impact on the level and structure of the banking industry's operating income.This is especially true for small and medium-sized and regional banks such as rural commercial banks.What impact does it have?How is the degree?What impact does it have on its business performance?What measures should be taken in the face of these shocks?These are the focus of current theoretical research.This article gives a comprehensive answer to these questions in Zaozhuang Agro-business Cases,which aims to identify the location of interest rate marketization for Zaozhuang Rural Commercial Bank,change the traditional profit model,innovate credit products,and formulate scientific development strategies to provide ideas.This is the study of this article.purpose.This paper takes the impact of interest rate marketization on Zaozhuang Rural Commercial Bank as the research object.After sorting,it finds that the interest rate market Zaozhuang Rural Commercial Bank has a greater impact,with varying degrees of impact from the asset side,debt side,intermediary business,and risk management level.Impact mechanism and approach:Spreading interest margin space continues to compress,actively adjust the debt structure,reduce the proportion of high-cost deposits in the entire deposit,suppress the rigid increase in deposit costs;optimize the loan structure,obtain short-term gains,speed up capital turnover,and increase net profit The adverse impact of the poor decline;adjustment of customer structure,increased retail small and micro enterprises attractiveness,increase the overall level of risk assets return;led to a significant decline in Zaozhuang Rural Commercial Bank's operating income growth,profitability decreased significantly,the scale of non-performing assets increased.At the same time,using panel data empirical analysis method,taking the eight sub-branches of Zaozhuang Rural Commercial Bank from 2007 to 2017 as a sample,the four indicators of asset structure,liability structure,non-performing asset ratio,and provision coverage ratio were used to measure their operating performance.The degree of interest rate liberalization,macroeconomic changes,asset size,profit structure,and operational management level have affected the business performance of Zaozhuang Rural Commercial Bank.After the study,it was concluded that the promotion of interest rate liberalization has a strong influence on Zaozhuang Rural Commercial Bank,which is similar to traditional deposit and loan as the main revenue,resulting in a continuous decline in the ratio of credit to assets,a decrease in the ratio of deposits and liabilities,an increase in the rate of non-performing assets,and lower provision coverage.Rate and so on.At the end of this paper,we propose to optimize the liability structure,maintain reasonable deposit pricing,improve the asset structure,optimize the loan pricing power,accelerate business transformation,develop non-interest income,and make reasonable provisioning to resolve non-performing assets.This article systematically elaborates the impact of interest rate liberalization on its deposit business,loan business,deposit and loan spreads,intermediary business,and risk management.The conclusions and countermeasures it proposes can help identify the impact of interest rate liberalization on Zaozhuang Rural Commercial Bank.The type of business with the greatest degree,which in turn changes the traditional profit-and-loss model for deposits and loans,optimizes the business structure and profit structure,and enhances the significance of financial defense capabilities.At the same time,the research in this article will provide a certain reference and reference for how domestic rural financial institutions and even other small and medium-sized and regional commercial banks operate under the background of interest rate liberalization and how to operate in a stable manner.