A Research On Intermediary Business Strategies That Bank A Made To The Interest Rate Liberalization

In 2015,Central Bank lowered deposit and loan benchmark interest rate five times in a row and reduced the deposit reserve ratio.The market-based reform of interest rates took on more obvious accelerating trend.Commercial bank is the center of funs circulation and operation.However,in the procedure of the interest rate liberalization,domestic commercial banks are still faced with great challenges in changing traditional operation mode,improving the ability of management of interest rate risk,and fund pricing,meanwhile banks will set a good example for the whole financial system reform depending on whether they accelerate financial innovation,promote innovative business and the proportion of non-interest income.Therefore,how business deals with the chances and challenges under new trend becomes a problem to be solved.This paper was chosen from the perspective of intermediate business development.A path of sustainable development to deal with the trend of the interest rate liberalization is discovered under the combination of the situation of demotic banking and financial market and the development of intermediary business.According to the situation of intermediary business development and the analysis of the potential problems in developing intermediary business of traditional commercial banks,we can analyze the existing factors that commercial banks made on the development of intermediary business under the trend of interest rate marketing.Take bank A for example,it expanded multi-faceted developing strategies on intermediary business,dealing with corporate banking,investment banking business,interbank business,retail banking,small corporate business,internet banking business,etc.Hopefully,making a concrete analysis on its development strategies and orientation plays a minute role in coming up with the interest rate liberalization strategies to commercial banks.