The Interest Rate Market Research On The Impact Of China’s Commercial Banks And The Countermeasures

Recently, China’s "along the way" strategy to create "sub investment", clearly expressed the intention of deepening economic system reform, the State Council will be the RMB internationalization and interest rate market reform agenda, the government’s key projects to implement, this paper based on China’s real situation, the interest rate market on the impact of China’s commercial banks to make an objective and rational.The first part of this paper is to review the foreign and domestic interest rate market, the foreign part is to review the historical process of the United States and Japan interest rate, and investigate the process of its domestic commercial banks to deal with the problem, the domestic part is to sort out the interest rate market process, compared with the historical thinking of China’s current stage and possible problems.The second part of this paper is to analyze the main risk of the commercial banks in this stage, which is based on the history of foreign interest rate market reform. In the third part of this paper, we analyze the interest rate risk of commercial banks in China from the perspective of quantitative analysis, and analyze the financial data of China Industrial and commercial bank, Bank of China, China Construction Bank, Agricultural Bank of China and China Merchants Bank. In the last part of this paper, we put forward some practical strategies and suggestions to the interest rate risk, credit risk, management risk and the risk of the purchase price.