Analysis Of The Impact Of Interest Rate Marketization On The Deposits Of ADBC

Market-oriented interest rate is an important part of China's financial system reform.It is the process of marketization of interest rate that is the key to the construction of market economy and the enhancement of financial regulation and control,which is the condition of perfecting the operation mechanism of financial institutions and promoting the financial support to the real economy.It also plays the role of market resource allocation and improving the competitiveness of enterprises?From July 2013 loan interest rates fully liberalized,by October 2015 deposit interest rate liberalization,which is a huge impact to the banking industry?Due to the relaxation of deposit interest rate control,bank's profitability and operational capacity is to be challenged.Deposit and interest spreads substantially reduced,at the same time,interest rate risk is further apparent.As the only agricultural policy bank in China----Agricultural Development Bank of China,how to seize the opportunity in the market interest rate reform to speed up the expansion of the deposit business,this paper has been analyzed.At first,this paper analyses factors of financial products division of bank deposits and composition,and points out that the interest rate will affect the deposit;Secondly introduces the bank line for purpose,function positioning,the overall situation,to clarify the bank deposits,classification,scope,funding sources and scale are analyzed about the present situation of the bank deposit,points out the main problems;Followed by a clear definition of interest rate liberalization,the development course in our country,and the impact of on the bank deposit business?Put forward by implementing interest rate marketization,adjust the development direction of the bank deposit business,from perfecting deposit pricing mechanism,the innovation organization mechanism,strengthening the system construction,speed up product development and personnel training and so on several aspects,this paper has a certain practical significance.