The Interest Rate Liberalization And Its Impact On The Efficiency Of Commercial Banks

The interest rate liberalization in China from 1993 to proposed up to now has gone through for 23 years, from the beginning of the release only Chibor to in recent years gradually fully liberalized lending rate and the deposit rate, reform of interest rate is always point of people’s attention. The interest rate liberalization in China started relatively late compared with other countries, because of the domestic financial system is not perfect, more increased the difficulty of reform. Although the interest rate liberalization has been basically completed,but the reform is a systemic project,also need to constantly improve.It is now for the present interest rate liberalization in our country will enter a new stage,will also face new challenge,so is very necessary to retrospective analysis was carried out on the liberalization of interest rate,to ensure the success of the reform in the true sense.This paper is divided into five chapters. The first chapter is the introduction,first about the research background of this paper,and analyzed the research significance,the last is the literature review. The second chapter analyzes the interest rate liberalization of introduced to our country, focus on analyzing and summarizing our interest rate liberalization process and conditions, in order to provide some theoretical support for the new stage. The third chapter analyzes the international interest rate market reform in our country the way of reform is how to do some success, and is also the focus of the lessons learned from the final stage of the market-oriented reform of interest rate. The fourth chapter is the application of the two stage model of 16 commercial banks in China from 2011 to 2014 this three years with the interest rate liberalization on their own what effect. The five chapter on the summary analysis some Suggestions are given on the basis of the previous chapter also analyzed certain shortcomings.