Contents
1 Research background 4
2 Interest rate marketization to the influence of financial institutions 6
2.1 Generate influence to banking business development 6
2.2 Increase bank interest rates risk and rates managing difficulty 7
2.3 Narrow loan spreads,weaken competitiveness 7
2.4 Put forward challenges to financial institution management 7
3 Financial institutions response to the effective practice and challenge to the interest rate marketization 9
3.1 Financial institutions response the effective practice to the interest rate marketization 9
3.1.1 Gradually improve pricing ability by establishing pricing model 9
3.1.2 Gradually establish management system of interest rate pricing 9
3.2 The challenges which the financial institutions faced 10
4 Related suggestion on financial institution under the background of interest rate marketization 12
4.1 Recognize the challenge that the interest rate marketization brought 12
4.2 Focus on interest rate risk and liquidity risk management 12
4.3 Focus on quality efficience to achieve intensive development 13
4.4 Focus on delicate management,improve operating benefit and core competitiveness 13
4.5 Speed up financial business’s transformational development 14
4.5.1 Push personal financial business development,adapt to market requirement 14
4.5.2 Do well in company business expansion,optimize assets liability construction 15
References 16
Abstract
In recently years,People’s bank has launched to open the lending rate referral of financial institutions,the deposits to implement the policy of floating benchmark rate 10%,which marked a breakthrough step of China's interest rate marketization.Interest rate marketization will put forward higher requirements to our bank industry’s assets operating ability, assets liability managing ability,risk managing ability and internal control mechanism. How to response interest rate marketization demand, improve operating management level will be the important topic which Chinese banking faced. This article will make a study of the influence to Chinese banking from financial reform to market interest rate, focus on the four aspects : study background, interest rate marketization to the impact on financial institutions, financial institutions response to interest rate marketization’s effective practice and challenge, financial institutions related recommendations under the background of interest rate liberalization.
Keywords: financial reform interest rate marketization banking industry influence
