Research On Business Strategy Of Small And Mediurn-sized Banks Against Interest Rate Marketization

As of June8,2012, on July6, twice interest rate adjustment and expand the range of floating interest rate, interest rate marketization reform in our country has entered a new stage. But on July20,2013comprehensive opening financial institutions lending rate control in our country, marked the our country has entered a period of limited interest rate marketization. On December8,2013, the people’s bank of China announced the 《Trade Certificates of Deposit Management Iinterim Measures》, currently the only with characteristics of marketization of interest rate first deposit trade certificates of deposit out at last. Open trade certificates of deposit, herald a more comprehensive implementation in our country interest rate marketization era is coming. However, in the wave of interest rate marketization reform continuously move forward at the same time, we also must realize that the interest rate marketization is a double-edged sword, on the one hand, it can promote the flow of funds more reasonable, realize the effective configuration, promote the financial innovation, speed up the transformation of bank;, on the other hand, after the comprehensive implementation of interest rate liberalization, bank spreads shrink, lower profits, the Banks will impact the traditional profit model, at the same time, frequency and amplitude of bank interest rates will rise, make the bank interest rate risk facing, challenging the bank interest rate risk management ability. Therefore, under the condition of marketization of interest rate how to adjust business strategy, optimizing the management structure, the transformation of development mode, will become the Banks management is an urgent and important task.Based on the retrospect and prospect of market-oriented interest rate reform in our country, to understand some countries and regions under the background of interest rate marketization development course, learn about analysis of effect and influence of interest rate marketization, and draw lessons from the analysis of the effect of the interest rate marketization of our country banking industry may and influence. To cope with the possible impact of interest rate marketization, this paper based on the experience of the foreign Banks against interest rate marketization and combining the reality of the development of our country, A bank xiamen branch as an example to put forward our country small and medium-sized Banks against interest rate marketization measures should be taken:1、Completes the market positioning;2、Promote pricing ability;3、Strengthen the management of interest rate risk;4、Carry out characteristic management;5、Completes the platform construction...