Interest Rate Liberation Reform and Small and Medium-sized Commercial Banks Developmentā€”Statistical Analysis Based on Listed Small and Medium-sized Commercial Banks

Journal: Advanced Management Science (AMS)
Author: Lihua Yu

This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited


Interest rate liberation reform in China has been the crucial stage, and this reform has a great impact on small and medium-sized commercial banks. Because small and medium-sized commercial banks are facing the homogeneity, spreads narrowed, and lower profits and so on, it is very crucial to transform the profitability pattern. The significance of solving this problem is that it is related to the survival and development of many small and medium-sized banks. This paper takes the listed small and medium-sized banks as sample, and it analyses the business income structure, net interest spread, and net interest margins during the three years of 2012-2014. On the basis of drawing lessons from foreign experience, it points out that the development of small and medium-sized banks need to implement the strategy of differentiation, transformation profit model, and business transformation etc. The innovation of the paper is new data and new suggestion.


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