The Impact Of Marketization Of Interest Rate On Commercial Bank Financing Business In China

In the process of exploring the way of innovation, commercial banks continueto adjust a variety of innovative financial products, and financial products hasbecome an important way to change the previous mode of management style andphilosophy. The wealth management business,which is conducive to the overallmanagement, not only strengths internal business processes, but thecompetitiveness in the financial industry to consolidate its position. It is also worthmentioning that commercial banks are able to expand the capital market, abundantfinancial products with original credit business advantages. Overall, FinancialServices is the very strategic direction of development to commercial banks, whichpromotes the business development and institutional reforms, makes more profits, inother words. More importantly, Financial Services makes a traditional banks becomewhat of the nature of the financial service institution. With the advance of interestrate market, Chinese financial market has undergone plenty of changes: a variety offinancial institutions other than banks have launched kinds of financial products,bringing a lot of pressure to banking industry. The way to develop the wealthmanagement business of commercial banks and position its presence in the futurehas become an important issue.The research starts from the process of Interest Rate Liberalization in China,and study he successful experiences of the country and abroad. Besides, this paperanalyzes the characteristics of development of commercial banks with Chinesecharacter, which in Interest Rate Liberalization, and put forward the strategy to beadopted in the future. Contents will be presented as below:The first part is an introduction section, in which the author elaborates the background and significance of this research project, and introduce the situation ofthe domestic and international aspects of the system. In next part, the author reviewsprocess of Interest Rate Liberalization. In the very part, the monetary interest rate,bond interest rates, as well as deposit and lending rates of the market situation areelaborated, beginning with the changes happened to the liberalization. In the thirdpart, the author analyzes and states the nice experiences both in China and abroad,which is typical influences on the banks. The fourth part, analyzing present statusof commercial banks while facing pressure of the liberalization, the author raisesolutions to problems and develop strategies. In addition, the author in this sectionalso lists some of the cases, and empirical analysis. The following part is series ofanalyzes on the impact of the interest rate market arising from the development ofChina’s banks, in this part, the author describes many aspects of opportunities andchallenges, when facing with China’s commercial problems, and makes analysis.When it comes to the last part, the author presents business-related strategy for thefuture development of commercial banks, and make detailed analysis, All of theabove has a strong practical significance for the future of commercial banks actuallywork.