The Impact Of Interest Rate Marketization On Commercial Banks And The Countermeasures

The marketization of interest rates reform has been one of the important goals ofmarket economic development of countries in the world, is the inevitable choice ofmany countries in the world today. The marketization of interest rates is intended toenable market interest rates to reflect the cost of funds and the supply-demandrelationship, effectively bringing the interest rate marketization reform of economicleverage. In the process the marketization of interest rate propelled, transaction ratesby commercial banks according to the signal instruction supply and demand of fundsand central bank, agreed and adjust. Analysis of the causes of success or failure by thedeveloped countries, on the successful completion of the market-oriented reform ofinterest rate and the interest rate market area failed state, we can reference to thereform experience of the excellent, but also can take measures to avoid repeating themistakes of the failed state.In July20,2013, China officially fully liberalized financial institutions loaninterest rate control, cancelled the limit, financial institutions include all kinds ofcommercial banks in addition to individual housing loans lending rate0.7times in thefuture, the ceiling on deposit rates may also be opened gradually, in October25,2013,China’s interest rate loan basis (Loan Prime Rate, referred to as the LPR) centralizedbidding and the release mechanism of formal operation, which marks thetransformation of our country’s interest rate market has basically on the right track. Atpresent, In Yunnan Province financial market is still in the process of formation andgrowth, smaller the province’s financial markets, financing tools Co., the marketmechanism is to be further perfect, pending further improve operation efficiency. Inthe reform process, our province commercial banks vigorously promotemarket-oriented interest rate reform, has made certain achievements, but there are stillmany imperfect places. The author dedicated by opposite interest income and noninterest income in Yunnan Province, the recent changes in the interest ratemarketization reform of marketization of interest rate and the influence of reaction, the commercial banks in Yunnan Province, the special economic environment ofYunnan Province, the commercial bank shall make financial innovation anddevelopment planning and market oriented interest rate reform should be relative riskmanagement policy, to construct a perfect management mechanism to market interestrates in response to the impact of the commercial banks in Yunnan province.