Research On The Commercial Banks Performance Under The Background Of Interest Rate Liberalization In China

With the deepening of the interest rate marketization. just rely on the profit pattern of traditional spreads is unsustainable and supported by lending and deposit the traditional balance sheet will become fragile, agent fee income, intermediary business income and investment income proportion in the income structure is gradually ascending, financing intermediary services, asset management services agency business Banks is becoming a competitive market, adjust the business structure to speed up the transformation of development has become an inevitable choice for commercial Banks to deal with the interest rate marketization trend. Paper combined with external management environment of domestic commercial Banks, in-depth analysis of interest rate marketization reform in the competitiveness of Chinese commercial Banks face the challenges and coping strategies.Papers from the profitability, business structure, market, capital and profits and so on is discussed the influence of interest rate marketization reform of commercial Banks and puts forward our country commercial bank through the empirical analysis of coping strategies. First of all, based on the related research achievements of scholars at home and abroad on the basis of combing and summary, through to the marketization of interest rate on the influence of commercial Banks in China are analyzed in theory. Results show that banking is an important part of commercial Banks in China will not only meet in the process of interest rate marketization of commercial Banks are facing interest rate risk, liquidity risk, credit risk, competitive pressures, the traditional business structure and customer structure transformation, and a series of risks, possibly because of insufficient capital and talent reserves, excessive reliance on large and medium-sized corporate clients and face more severe challenges. Then, based on public data after the market-oriented interest rate policy, our country commercial bank in the short term the impact on the quantitative analysis. The results show that the marketization of interest rate for commercial Banks has a subtle influence business performance.All in all, under the background of market-oriented interest rate reform continued to deepen, the future competition will be a comprehensive strength competition of commercial Banks, the main influence factors and construction of supporting system is a strategic choice for the business, is the direction of business development and comprehensive service ability. The liberalization of regulated interest rates mean that the market full of competition, the future of domestic banking landscape in addition to a few large Banks in a market leading position, only the clear market positioning, clear business strategy, the customer to choose the accurate bank to foothold in the market. Risk management, capital management, financial management and human resources management will become the main Banks to raise the core competitiveness.