Research On The Banking Deposit Interest Rate Marketability In China

At present, China is in a critical period of the deposit interest rate marketability reform. Therefore, the combination of qualitative research and quantitative research method is very important for the analysis and discussion of the deposit interest rate marketability in China’s banking industry.In the process of studying on the banking deposit interest rate marketability in China, in addition to the loanable funds theory, this paper also based on the theory of financial repression and financial deepening theory. On this basis, this paper summarized the gains and losses of the deposit interest rate marketability in foreign countries, analyzed its influence on the Commercial Bank of China, and put forward the relevant countermeasures. In addition that, this paper also fully learned from the relevant international experience, studied and analyzed the interest rate marketability reform of the United States of Taiwan, Japan and Latin American countries, summarized the experience and lessons, and pointed out that, in order to successfully complete the reform of interest rate marketability, we must possess the following elements, the first one is a stable macroeconomic environment; the second is a perfect and sound financial supervision system; the last is a phased implementation plan. in order to reflect more realistically the interest rate mercerization impact of commercial banks.the paper selected a representative of the city commercial banks,PF Bank to conduct in-depth case studies.Based on the above empirical results, it can be concluded that, deposit interest rate marketability can not only improve the management efficiency of commercial banks, further optimize the business structure, enhance risk prevention awareness to ensure the interest rate risk is in the controllable range, but also is conducive to the establishment of a more systematic and comprehensive regulatory system, so that the interests of depositors can be fully guaranteed, making the financial markets more stable and ordered.The innovation points of this research mainly showed in the following aspects: firstly, based on the loanable funds theory, and combined with the international panel data model, we analyzed the impact factors of deposit rate; secondly, combined with the foreign relevant cases, the financial statements of some large commercial banks in China are analyzed and studied, and the level of profitability and risk affected by deposit interest rate are analyzed.