Transformation Research Of Rural Commercial Bank Under Background Of Interest Rate Marketization

Recalling the global market-oriented interest rate reform process, more than 40 years of history, in the history of the world financial reform, we have accumulated a lot of valuable experience and painful lessons. In recent years, China’s "first foreign currency, after the currency; the first long-term, large, short-term, small; the first loan after the deposit" and "after three first three" general idea, to promote market-oriented interest rate reform and has made important progress. The interest rate market to China’s financial institutions, in particular the impact on rural commercial banks and other smaller banks reaching, challenges and opportunities, such as bank independent pricing increase, facilitate the development of differentiated products and systems, to further adjust the customer structure; create a relatively fair and just financial environment conducive to rural commercial banks to enhance innovation, develop intermediary business. But at the same time, the challenges brought about by the interest rate market has become even more obvious, the financial situation of intensified competition in the industry, the core competitiveness, higher demands, rural commercial banks at a disadvantage; interest rate risk has become one of the major risk, interest rate management more difficult; deposit and loan spreads narrowed, directly affecting profitability. Rural commercial banks at interest rate market background, how to seize opportunities, overcome difficulties, text research. In this paper, Beijing Rural Commercial Bank, for example, by means of theoretical analysis, theory and practice, comparative analysis and other methods, for domestic and foreign relevant theories systematically combing of Beijing Rural Commercial Bank in recent years, the size of deposits and loans, deposit and lending rates, intermediary business organizations and the level of the profit structure and the level of interest rate management, deposit and loan pricing model, the internal funds transfer pricing model, etc. have been studied, will Beijing Rural Commercial Bank-related data with the industry, the listed banks, Tianjin and Beijing, Shanghai and Chongqing Rural Commercial Bank comparative analysis, that the Beijing Rural Commercial Bank Business innovation is weak, single product structure, high dependence on the spread, the lower the level of intermediate business income, interest rate management in its infancy, the ability to guard against interest rate risk is weak, the whole with outstanding bank there is a large gap. This paper argues that rural commercial banks at interest rate market background, should be adopted to change their management philosophy, the establishment of a more scientific interest rate risk management system; establish a scientific pricing mechanism, improve bargaining power; enhance financial innovation, reduce dependence on spreads business, develop a diversified business structure and profit structure, etc. adjust their development strategies, in order to develop sound market-oriented interest rate reform wave, the desired article for the next market-oriented reform of interest rates, the successful transformation of rural commercial banks play the role of theoretical guidance.