The Research On The Influence Of The Interest Rate Liberalization To Nanxun Rural Commercial Bank And The Countermeasures

Interest rate market is the core issue in the reform of national economic system, it is the objective need and inevitable result of the development of China’s financial industry to a certain extent. At present, the vast majority of the world’s developed countries and some developing countries have realized the interest rate market reform. International interest rate market reform experience shows that many countries in the interest rate market reform, while improving the financial efficiency, optimize the allocation of funds to promote the rapid and healthy development of social economy. The interest rate market reform is a long and tortuous process, for China, to promote the interest rate market is more risky, especially for commercial banks. Therefore, in the process of the interest rate market in our country, the research on the impact of commercial banks has important theoretical value and practical significance.On the basis of our country to promote the market-oriented reform of interest rate, the small and medium banks must be clearly aware of the opportunities and challenges brought by the interest rate market. Combining with the domestic and foreign literature and research results, based on analysis the main problems in Nanxun rural commercial bank operating, using SWOT method Nanxun rural commercial bank of interest rate liberalization effects are analyzed, and puts forward relevant countermeasures. The six chapter is the introduction, mainly introduces the background significance, literature review, research methods and possible innovations and shortcomings. The second chapter briefly introduces the interest rate market experience, the third chapter analyzes the problem, the fourth chapter puts forward the measures to deal with the interest rate market, the four is to establish the internal funds transfer pricing system, strengthen the risk management of the loan, increase the risk management ability of the sixth chapters, two chapters.Nanxun rural commercial banks should fully understand the severe situation of the interest rate market, systematically study the measures to further accelerate the transformation of business strategy, raise interest rates and risk management level, in order to achieve sustainable development, which can better serve the three rural, small business services, service local economy.