Research On Interest Rate Risk Control Of Small And Medium Financial Institutions Such As Zaozhuang Rural Commercial Bank Under The Background Of Interest Rate Marketization

Interest rate marketization reform is an important part of financial reform.Through the reform of interest rate marketization,the vitality of financial market development has been effectively stimulated,and the speed and efficiency of financial innovation has been clearly promoted.Interest rate marketization is generally outstanding.Under the background of interest rate liberalization,financial institutions need to take more effective measures to cope with changes in the market environment,so as to protect their competitiveness.Especially small and medium-sized financial institutions need to think and research the problem of risk control in the process of development,with the opening of the market,small and medium-sized financial institutions to obtain new development opportunities,while also facing new challenges in innovation and development,at the same time,good risk control has become the key to the stable development of small and medium-sized financial institutions.Risk control is based on effective risk identification and other basic conditions.Only when the whole process is complete and effective can risk management be maintained at a high level,so as to provide necessary conditions for continuous and stable development of financial institutions.With the deepening of interest rate marketization reform,financial institutions' risk control needs to be comprehensively and effectively covered,and enhance risk management and control capabilities under financial innovation.To enable financial institutions to maintain a good development situation and efficiency,to maintain the necessary stability of development.Firstly,through the review and summarization of the interest rate risk management theory and related research results of domestic and foreign scholars,this study analyzes the development status of small and medium-sized financial institutions under the background of China's interest rate liberalization,and finds that interest rate risk is the face of the interest rate liberalization in the context of marketization of small and medium-sized financial institutions.The main risk issues;subsequently,Zaozhuang agro-business cases,the use of sensitivity gap analysis method to analyze the impact of interest rate changes on small and medium-sized financial institutions,found that interest rates after marketization,once the deposit and loan interest rates have a large increase in the difference,narrow interest-rate benefits The financial institutions with income from deposit and loan spreads as main business income have a greater impact;finally,from the perspective of purifying the external interest rate risk environment,strengthening government supervision,and strengthening the internal control of small and medium-sized financial institutions,establishing an interest rate risk monitoring system,etc.The risk management of financial institutions makes recommendations.