Study On Operating Risk Precaution Of The State-owned Commercial Bank Under The Interest Rate Marketization

In today’s market economy, the marketization of interest rate is an inevitable choice. In many countries and regions where have already realized marketization of interest rate. The developed countries and regions are in the majority, in the developed countries represented by Japan and the United States, in emerging economies such as South Korea and Argentina. But some foreign countries in the development of the long history of accumulation of experience also indicate that interest rate liberalization is not only can bring strong impact to its Banks, and may even lead to the economic crisis of its Banks.Our country began to promote the marketization of interest rate in 1996, so far our country has passed nearly 18 years. During the 18 years banking industry and even the entire financial system’s influence is profound. From begin to let go of interbank lending rates to let go of the bond market interest rates, to lift the ceiling on deposit rates and loan interest rate lower limit, now the current reform didn’t touch the root.of the market-based reform of interest rates of the most important, but the root cause is the core source of bank profits.For industry and commerce, agriculture, bank of China and China construction bank (hereinafter referred to as the big four Banks) is almost half the market share of bank of China, in this case, the big four Banks how to deal with the interest rate marketization, the big four Banks how to maintain the stability of its position, which will with China’s economic and financial and social stability is closely related to the environment, is closely connected with the success of China’s reform. Interest rate marketization will give the risks of China’s four big Banks will be more complicated, could be far greater than in the past we have talked about the interest rate risk, liquidity risk, etc..Interest rate marketization reform is an adjust the income structure of China’s banking reform and a pressing for the banking industry revolution of strategic transformation. The continuous development of domestic joint-stock Banks and acceding foreign Banks make the banking competition. So the big four state-owned commercial Banks is necessary for effective and timely operation and risk prevention. This article mainly is China’s four major state-owned commercial Banks in the business management in the process of interest rate risk, credit risk, liquidity risk, operational risk prevention study, make China’s four big state-owned commercial Banks to adapt in the future interest rate marketization,resist the impact and influence.