Study On City Commercial Bank’s Development Under The Marketization Of Interest Rate Of Guangxi

The probability of releasing the deposit interest rate ceiling is very high in 2015, the central bank governor Zhou Xiaochuan said at a news conference in the two sessions on March 12,2015. Therefore, our country will fully realize marketization of interest rate.Needless to say, the marketization of interest rate will bring huge opportunities for development to commercial banks, but also bring many challenges at the same time.The banking industry of our country faces a new reshuffle.Compared with the large commercial banks, three city commercial banks in guangxi belongs to small and regional commercial banks. They not only have the character of less amount, small scale and weak risk resistance, but also with local, regional, flexible operation, easy to alliances such as comparative advantage.As a point of interest rate marketization, this thesis is based on the present development situation and characteristics of Guangxi’s city commercial banks, researchs the influence under the background of interest rate marketization, and proactively puts forward specific countermeasures.The thesis first reviews and summarizes the marketization of interest rate, relevant research achievements of interest rate marketization and the development of the city commercial banks at home and abroad. On this basis paper states the current development situation of Guangxi city commercial bank,applying SWOT qualitative analysis the influence which interest rate marketization bring to Guangxi city commercial bank, and taking interest rate sensitive gap model, the stress test model for quantitative analysis.Results show that since 2009 there has been interest rate sensitivity positive gap in Guangxi city commercial banks, there has been great interest rate risk, which will make a huge impact to the profitability of Guangxi city commercial bank. Then, the thesis proof from the profit, deposits, loans and many aspects of bank, in-depth analysis the short-term quantitative impact that interest rate marketization bring to Guangxi city commercial bank since June 2012, the Central Bank speed up the process of interest rate market, which once again demonstrates the foregoing conclusion.Finally, according to the above analysis this paper puts forward that clear market positioning, and speed up the strategic transformation, establish a scientific interest rate risk management system, constructing scientific and reasonable pricing mechanism, and actively introducing strategic partners such as specific suggestions for Guangxi city commercial bank response to the interest rate marketization.