Research On The Impact Of Interest Rate Adjustment On The Financial Products Of HXB

Interest rate marketization reform is one of the important contents of the party's eighteen.Began in October 2015,the deposit interest rate upper limit was canceled in our country,marking a substantive stage.At present,under the influence of the reform,financing business has become one of the most important business to improve competitiveness,the rapid development of financial product market has promoted the process of the reform.The generation of financial products breaks the bondage of the interest rate control,reduces the deposit check pressure on commercial banks.This thesis tries to take huaxia bank for example,from micro perspective,using the linear regression model,granger causality test and other econometric methods,to explore the influence of the interest rate adjustment to huaxia bank financial products.Based on empirical research,this thesis puts forward corresponding guidance what is of great value and positive practical significance to circumvent the risk of interest rate changes and increase the operating profits.This thesis is divided into three parts of the introduction,main text and the conclusion.First is the introduction,introducing the topic background and significance,summarizing relevant research literature at home and abroad,and pointing out the research ideas,framework,research methods,innovations and so on.The second part is chapter 2 to 6.Chapter 2,the theoretical basis of the impact of interest rate adjustment on financial products.Chapter 3,the emergence and situation of huaxia bank financial products.Chapter 4,interest rate adjustments and their reason analysis since 2006.Chapter 5,empirical analysis of the impact of interest rate adjustment on huaxia bank financial products,mainly using the linear regression model and granger causality test,carrying out empirical study respectively from the aspects of change trend and relatedness.Chapter 6,advice on reasonable use of interest rate adjustment to expand huaxia bank financial product business,respectively putting forward guidance advice on the higher,the lower and the current situation of interest rate.Finally is the conclusion.