Interest Rate Marketization On CD Bank Management Risk Impact Study

In recent years, with the interest rate marketization is spreading to the real economy each domain, our country government leaders and the policy level is put forward for many times, promote the reform of interest rate marketization is to speed up China’s financial system, steady growth and structure of the important measures.Financial institutions at the core of economic entities, in the current market-oriented interest rate reform process, the bank internal management pattern will inevitably affected by interest rate marketization. At the same time, China’s regulators by promote the construction of market system, improve the resource allocation of market mechanism, further deepening the reform of interest rate marketization, to maintain the stable growth of economy in our country to build a good financial environment. And market-oriented interest rate reform to make China’s financial institutions face more competition in the currency market. How the rational allocation of monetary funds, guide the large amounts of money into the category of rational planning, build fair and free currency interest rate rules, through the marketization of interest rate to stimulate the enthusiasm of bank, enterprise and individual, preempt the monetary cost advantage, for the monetary capital markets is inevitable of The Times.Interest rate marketization brings to the our country financial institutions a comprehensive impact and challenges. Faced with the choice of monetary costs and the profit space, monetary competition between Banks is the embodiment of interest rate marketization. As CD bank of policy-based financial institutions in our country, in the process of market-oriented interest rate reform, will also face liquidity, marketability and credit risk.With CD bank as an example, this paper to review the related theory of interest rate liberalization, and elaborates the operating risk of the bank of the current system, analyses the influence on the bank management risk before and after interest rate marketization, and from the planning and design, financing, market construction, risk control and other aspects put forward the coping strategies, in order to realize sustainable profit CD bank.