ZR Bank's Countermeasures Against The Marketization Of Interest Rates

Marketization of interest rates is the way to improve macro-control means and effect of China,it is also core content to deepen financial reform.Marketization of interest rates help to improve the financial environment and the operating efficiency of the financial system,promote the potential of economic development.developing countries’economic base is weak,and the ability of resist impact is weak,so it has more rate risk to promote the interest,especially for the enormous impact of the state-owned commercial banks.Therefore,the study of commercial bank interest rate risk has important theoretical and practical significance under the process of interest rates marketization reform in China.The research status of marketization of interest rate is elaborated,analyzing some of the problems that exist in the reform process studies;foreign marketization of interest rate practices were analyzed and summarized;then combined with the practice of China’s reform and foreign conditions to sort,analyze may affect the result of ZRbanks.In this paper,several interest rate risk measurement models do a detailed analysis and comparison analysis discusses the advantages and disadvantages of types of interest rate risk measurement models.Meanwhile,in the theoretical and empirical analysis of several models,By analyzing the influence of interest rate liberalization on the current profit pattern of ZR banks,with the example of ZR Bank,the largest and most developed urban commercial bank,this paper discusses paths for ZRbanks to transform their profit pattern.look for interest rate risk measurement methods best suited to China’s actual conditions and methods for interest rate risk management of commercial banks have some significance.