The Impact Of Interest Rate Liberalization On Commercialbanks And Its Solutions

Interest rate liberalization is the product of financial liberalisation, it to improve the financing efficiency, the construction of the financial institutions in the pricing mechanism, the formation of standard financial market environment, the formation of micro monetary policy transmission mechanism, etc. It is of great significance. Recently, market-oriented interest rate reform has achieved significant progress. And the world, the financial sector is gradually and system gradually transition from controller to interest rate liberalization. Interest rate liberalization helps to improve and control the macroeconomic regulation, which is also one of the core content of deepening the the financial reform. Since the eighteenth big fiscal and taxation reform gradual, speed up the reform of the fiscal and taxation systems, improve the central finance and local financial resources and matching system, and improve the promotion of equal basic public services and public finance system, and its construction become the most important task to build a local system. At the same time, the state department is put forward to deepen the reform of the fiscal and taxation system and the price of resource products, promote the establishment of an open, transparent, standard, the complete budget system, the formation of deepening the reform of the budget system overall scheme, promote the macroeconomic regulation and control, finance and tax, finance, investment and administrative system reform, more fully play to the basic role of market in resource allocation.Since China’s accession to the WTO, the financial market gradually realize the internationalization. The country’s financial markets become the organic part of the world’s financial markets, interest rate marketization of our country’s financial market puts forward higher requirements. Compared with the developed countries in the world, our country from the environment, or from the perspective of the construction of market system, there are very obvious gap. The proportion of direct taxation and indirect taxation imbalances, high indirect taxes against redistribution optimization; Reform of resource taxes and related supporting reform does not reach the designated position, also affects the government regulation of resources and environment, and promote the ability of saving energy and reducing consumption; And lack of local debt management system, the government debt risk, makes you stealth debt of local government and land finance.The positive influence to the our country commercial bank interest rate liberalization, it is beneficial to promote fair competition between Banks, commercial bank management into full play, promoting fair competition between Banks, commercial bank management into full play, help to optimize the structure of the customer, improve the management level of commercial Banks. This paper first discusses the connotation of the marketization of interest rate and interest rate marketization reform, the necessity of dialysis and the related theory of interest rate marketization. Secondly, this paper introduces the developed countries and developing countries the practice of the marketization of interest rate. Based on the analysis of the influence of interest rate marketization reform of commercial Banks in the world, on the basis of international experience enlightenment to our country commercial bank. Thirdly, reviews the course of interest rate marketization reform in our country, commercial banks in our country at present is still in its preliminary stage of assets and liabilities management, interest rate risk management mechanism is relatively backward, establish effective interest rate risk management mechanism should first improve interest rate risk management organizational structure, establishing and perfecting the information system and the flow of capital circulation channels, and develop the steady interest rate risk internal control mechanism is imperative. Finally in the aspect of marketization of interest rate, we talk about the positive and negative effects of commercial Banks. Based on the commercial Banks in China are given in the deepening reform of interest rate marketization coping strategies. In today’s interest rate marketization reform step by step, this paper has a certain theoretical significance and practical significance.