Interest rate marketization,where should small and medium-sized banks go

摘要

With the continuous progress of our interest rate marketization,the domestic banking industry is facing an increasingly complex business environment.Especially small and medium-sized banks,due to their small scale with poor management,can easily be swallowed in the tide of reform.Through the analysis of difficulties faced by small and medium-sized banks in the interest rate marketization,from the perspectives of strategic objectives,business model,product pricing,product innovation,revenue structure and risk management,this paper discusses the reform and development of small and medium-sized banks in the interest rate marketization.