Interest Rate Marketization In AnHui Province Rural Credit Cooperatives Impact Study

For a long time, China adopted a policy of interest rate control, interest rate formation mechanism, the transmission way and the management way is by the people’s bank of China head office is mandatory to make and execute. With the rapid development of China’s economic integration and financial liberalization, interest rate marketization is imperative. International experience shows that in the process of market-oriented interest rate reform, and complete after five years, a small bank bankruptcy probability will increase sharply. In the future, as the deposit insurance system in our country, the phenomenon of banking institutions have failed to from theory to reality. As a juridical person under the system of rural credit cooperatives, the main source of income is still a margin, in order to deal with competition under the marketization of interest rate,"a float to" absorb deposits interest rate, loan interest rates from the previous "a float to" down to the basic and other state-owned and joint-stock commercial Banks are even. In addition, compared to the other and large state-owned commercial Banks, rural credit cooperatives intermediary business revenue accounts for a strikingly low ratio. Under the marketization of interest rate, therefore, how to realize their rural credit cooperatives and other commercial Banks, the gap between find accurate market positioning, grasp the market opportunity, realize sustainable development, is of great significance.This article from the concept of interest rate marketization, the main risk forms, characteristics and evolution process of interest rate liberalization in China, this article focuses on the interest rate marketization of rural credit cooperatives business development and risk control effect of lithology, and through the actual investigation and study, with current situation of rural credit risk control in anhui province as an example, in-depth analysis of interest rate marketization of anhui rural credit risk management organization structure and pricing mechanism, interest rate pricing model, the ability of dealing with the interest rate marketization, etc., analyses the rural credit cooperatives in risk control, interest rate risk management, profitability and market competition facing difficulties and adjustment, puts forward in the reform of rural credit cooperatives, risk-control mechanism, the transformation of innovation, the small micro enterprise services and credit risk control, information system construction, build a comprehensive risk management system and so on seven aspects of the strategy, how to control risks to promote interest rate marketization of rural credit cooperatives, enhance core competitiveness to provide strong opinion suggestion and reference value.This article is divided into chapters, the first chapter is introduction, mainly elaborated the research background of market-oriented interest rate impact on rural credit cooperatives and research meaning, research abroad inside and outside the main theory of interest rate liberalization, and the main content of their research and ideas, research and innovation points were described briefly. The second chapter for the marketization of interest rate risk main forms and history evolution, respectively from the concept, forms, characteristics and change course, etc. The third chapter, in anhui rural credit cooperatives, for example, from the risk management framework, interest rate pricing model and response ability to conduct a comprehensive analysis of interest rate liberalization. The fourth chapter analyzed the influence of interest rate marketization of rural credit cooperatives, analysis from the beneficial effects, adverse effects, adverse effects are emphatically analyzed. Fifth chapter focus on the paper expounds the concrete countermeasures to cope with the adverse effects of interest rate liberalization, and finally to clarify conclusive suggestion.The innovation of this article is that at present, the domestic and foreign research interest rate marketization on banking, especially the commercial bank business development and risk control impact study more, but for small and medium-sized banking institutions, especially in rural credit cooperatives small Banks institutional investor risk control impact study is less, the author with his years of work experience in rural credit cooperatives system, established a batch and deploy staff groups of interest rate liberalization, lasted for a month, the anhui rural credit cooperatives special researches on how to deal with the interest rate marketization, fully integrate theory with practice, specific studies under the marketization of interest rate risk control status quo of the rural credit cooperatives, puts forward the concrete measures of dealing with the interest rate marketization, so as to realize the purpose of their major.