摘要:This paper mainly analyzes the influence of interest rate on the local bank,group mem-bers can be conducted field research, found that the interest rate market opportunities to local banks al-so created a local bank spreads decline, profit space is narrow, liquidity management difficulty is big, the credit default risk and competition, This paper analysis that the local banks should take mea-sures, such as speeding up the pace of business transformation, to raise interest rates, pricing and risk management level and other measures, in order to achieve the sustainable development of lo-cal bank.%利率市场化在给地方银行带来机遇的同时也造成了地方银行存贷款利差空间的缩小、资金流动性难于管理、信用违约等风险,地方银行应采取措施,如加快经营转型步伐,提升利率定价与风险管理水平等措施,以实现地方银行的可持续发展。