The Influence Of Internet Finance The Influence And Response Mechanism Of Interest Rate Marketization On Commercial Banks Operational Risk

With the passage of time,most countries have already walked in the path of interest rate liberalization and even some countries have completed reforms.In order to keep up with the pace of developed countries,attention to and development of market-based interest rate reforms has continued to rise in most developing countries.In the context of a market economy,interest rate liberalization can reduce the bondage to the financial industry,and at the same time,it can play the role of the market to achieve optimal allocation of resources and ultimately accelerate economic development.Based on the foundation of the market environment at home and abroad,the author analyzes the basic theory of the market and the present situation of the business risk of commercial banks in China,analyzes the business risk of banks in China under the condition of the market interest rate,and formulates the corresponding mechanism.This paper first discusses the research background of interest rate marketization.Based on the market environment,it expounds the significance of interest rate marketization research and the purpose of this research.Through the domestic and foreign studies on the impact of interest rate marketization on economic growth,commercial banks and their operational risks,the main contents of this study are obtained.According to the basic theory of interest rate marketization,the definition and characteristics of the early Western interest rate theory,financial restraint theory,financial deepening theory,financial structure theory and financial restraint theory are studied.On the basis of the reform process and situation of interest rate marketization in China,this paper analyzes the causes and classification of commercial banks 'operating risks.This paper analyzes the four common risks of repricing risk,yield curve risk,selective risk and financial corruption risk in the course of reform.According to the risk situation and the analysis of the risk data acquisition,under the basis of the current basic situation in China,we have adopted some technical means to modify and establish a suitable measurement model.Variables are divided into interpreted variables and interpreted variables,and a regression model is established.A descriptive statistical analysis of the distribution of data,and the introduction of the concept of interest rate market index according to time series in the model,and the use of mathematical methods for multiple regression analysis,obtained the risk results caused by interest rate market.Indicates that operational risk increases with real spreads and asset growth rates,but that the higher the size of the bank and the asset return rate,the lower the operational risk,The relationship between interest rate marketization index and business risk introduced in this paper is the increase of business risk with the increase of interest rate marketization index.According to the results of the study on the operational risk of commercial banks with interest rate marketization in China and the analysis of the coping strategies of commercial banks under the circumstances of risk from the aspects of technological changes and external environmental variables,it is believed that Chinese commercial banks need to vigorously develop intermediate and off-balance sheet businesses and strengthen product pricing mechanisms on the basis of their business.To improve the methods of risk prevention and control,we must also train new technology personnel.In addition,on the basis of financial innovation,the financial supervision function will be brought into play to gradually enhance the ability of macro-control.