The Reform And Innovation Of Commercial Bank Credit Model Under The Condition Of Interest Rate Liberalization

Interest rate marketization reform is top priority of the reform of China’s financial system, to encourage financial institutions to improve the operation and management, is conducive to China’s financial market and international standards, is conducive to the promotion of financial innovation, improve the transmission mechanism of monetary policy, improve the financing difficulties of small and medium-sized enterprises.Current, our country commercial bank credit behavior mainly has the following performance: the credit crunch, credit rationing, security preferences, credit discrimination and credit. On the one hand is the opportunity, interest rate is the price of money, the bank as a financial enterprise operating monetary funds, in the case of interest rate control, the loss of monetary funds pricing. On the other hand is a challenge, although the interest rate market for commercial banks to create the new development environment and development opportunities, but also to the commercial banks brought all sorts of challenges, it will lead to commercial bank interest margin narrow, traditional business income decreases, the competition among commercial banks is more intense, but also may increase the commercial bank interest rate risk and credit risk.This paper provides building game model based on reputation model. The results show that:(1) bank loans when the optimal strategy is the use of loose lending way, but this way easily lead to the emergence of bad loans.(2) in order to prevent the lender to provide false information to deceive banks, banks to deal with the proceeds of fraud to be recovered, and to give the corresponding punishment, so as to urge the lender to provide real information.(3) when to apply for loans and loans for use, because it is in the weak position, when the bank lured lender losses are caused to the should by the regulatory authorities to bank for punishment, and compensate the lender’s loss.(4) relevant regulatory departments should formulate relevant rating rules of bank loans, to the commercial bank ratings, as the applicant apply for a loan decision-making basis, so that the better the reputation of commercial banks is to attract customers.(5) the regulatory authorities should formulate relevant incentives and incentives to make the loan market, the two sides attach great importance to the long-term interests of the game, so as to encourage commercial banks and lenders to provide more honest information.