129771798781968560_68From the view of financial market development, over the past decades, the Western developed economies and some developing countries have achieved a market-oriented interest rate, on their respective financial systems, in particular have had a profound impact on banking market structures. In 1996, China opened the curtain of the interest rate marketization reform, today has to a critical stage.Recommended reading investment loss area 10,000 million left bank VIP customers lose how do banks make money by credit card? Banking industry exposes high annual fees four beginning today ABC earned over 300 million Basel III China floor debate on bills print sky-high credit card all amounts of interest be cautious of moving into the Bank "picked up the package gauge"Can be expected to be, after you deposit and lending interest rates marketization, released under the umbrella of commercial bank controls interest rates, competition in the market. The fittest competition out of lower overall management capacity of the banks, and still has a place in the market of commercial bank will be by various means to expand, to expand market share. TheseAre likely to lead to decline in number of banking institutions and structural changes in the market. In theory, interest rate liberalization on banking influence mainly in two areas of concentration: on the one hand, the risk stages of marketization of interest rate and the interest rate risk will increase systemic risks and vulnerabilities in the banking sector. Excessive deposits and loans of fierce price competition and spreadsReduced pressure, will also pose certain challenges on Bank profits. Market-oriented interest rate often leads to the industry's most vulnerable banks went bankrupt, and thus played a role of increasing concentration in the industry. For example 1980-1985 United States gradually let go of savings and loans institutions can provide the deposit and lending interest rates (that is, remove the "Q"), due to higher interest rates, banks are forced toFor higher interest rates to attract more deposits, but these banks ' balance sheet assets are mainly low interest rates granted during the period of low interest rates 30 year fixed mortgages, many United States serious mismatch in bank balance sheets. So when when the Fed raise interest rates to curb inflation substantially, lead to huge losses
tera power leveling, more than 1000 in the next few years more savingsAnd lenders declaring bankruptcy, its total assets of more than US $ 500 billion. The other hand, interest rates brought about by the market competition, will also promote enhanced rate prediction
tera gold, risk management and pricing power, adaptability, new business development and innovation ability of high banking brings new opportunities for development, particularly of small and medium-sized banks price competition could drive ruleBig bank reduced market share, to reduce the concentration of the banking sector.
����On the effect of specific, market-oriented interest rate effects on these two aspects of the concentration of banking is also there. From the United States and Japan can come to the conclusion the process of marketization of interest rate: market-oriented reform of interest rates may cause the overall reduction in the number of banks and industries setWill also have a certain impact, increased industry competition. Specific to China's banking realities, on the one hand, and existing concentration of the banking sector has been high, joint-stock commercial bank's market share of two-thirds or more. Thus, reference to the experience of the developed economies, market-oriented interest rate is expected to further increase the concentration of industry of Chinese commercial banks. The other partySurface, as part of risk management capacity of small and medium banks themselves may not be sufficient to deal with impact brought about by the liberalization of interest rates, banking in advancing the process of interest rate marketization in China plans to do in risk prevention, in addition to the Bank other than itself should enhance risk management capabilities and pricing power, throughout the banking industry to establish and improve the market exit mechanism
tera gold, actively establishing deposit insurance system in order to buildAnd maintain a healthy market structure.
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