Interest Rate Marketization、Credit Behavior And The Risk-Taking Of City Commercial Banks

With the progress of interest rate marketization accelerating in our country, Interest rates become more vulnerable frequent fluctuations by such factors as external economic and political situation-. market supply and demand offunds.lt has huge impact on the financial institutions in our country, especially the banking industry as the carrier of a national economic development and operation and the most important player in the social capital allocation, The reform of market-oriented interest rate has an important influence for its future development plan. Therefore, In promoting the process of marketization of interest rate will inevitably occur great changes to the banking financial institutions.Realize marketization of interest rate is a gradual process in our country, have the relationship between the transformation of the banking financial institutions and financial innovation, It is the important measure that realize the marketization of interest rate in the field of financial reform to each country, It also the powerful to measure the country’s financial market whether mature. Due to the development of the whole financial system is not perfect in our country, financial institutions in the process of implementing interest rate marketization due to some uncertain factors and become variability, especially the city commercial banks is relatively weak to against the marketization of interest rate risk, In the process of interest rate marketization will face great impact and challenges.In recent years, City commercial banks have certain development potential in specific areas and gradually become an important part of the financial system. But as a local small and medium-sized banks, It have bigger difference compared with the state-owned commercial banks and joint-stock commercial banks in terms of market share, the competitive power of traditional business and the ability to resist risk are weak. Therefore, this article attempts to use city commercial banks as the research object.Respectively to study the influence of the deposit and lending interest rate marketization on city business credit behavior and risk bearing,I want to clarify the relationship of them and find the problem in the research conclusion,Then puts forward the methods and countermeasures to solve the problem.On the basis of the analysis of microscopic financial data and macroeconomic data, we can know the research conclusion of this article. In the credit behavior of city commercial banks,Marketization of interest rates on deposits was significantly positively related to deposit ratio,And the loan interest rate marketization has significant negative correlation to loan ratio. The level of risk-taking in the bank, With the price competition of intersection is significantly negatively related to the capital adequacy ratio,and significantly positive to the non-performing loan ratio;The cross terms of loan interest rate marketization and price competition is positive to capital adequacy ratio and significantly negative to the non-performing loan ratio.The results indicate that, Marketization of interest rates on deposits to relying mainly on traditional interest income for urban commercial banks, The higher deposit rate can strengthen customer deposits, It will make the issue of credit scale and abundant; After the loan interest rate marketization, Competition will increase quality customers bargaining power in the allocation of bank credit.Loan interest rate is difficult to ascend and the credit expansion is limited. In addition, With the increasing competition in the banking industry, Marketization of interest rates on deposits will increase the financial risk of city commercial banks, It easy to cause bank internal come liquidity risk, and raise the happen probability of non-performing loans risk; It is limited by its own assets and the ability to resist risk to competite with other financial institutions, It make the city commercial bank set high loan interest rate in order to obtain high yield,It put forward higher requirements to the city commercial bank’s risk control ability.The research conclusion provide a theoretical basis for the related policy, thus help urban commercial banks can be better to adapt to the changes in the external environment of interest rate marketization.