How rural commercial banks deal with interest rate marketization

1. Accelerate development and improve the level of intensive management. Rural commercial banks should accelerate the pace of business development of business outlets in county towns and central market towns, give full play to the role of point-to-point coverage, expand the scale of deposit and loan business of business outlets, and improve the average and per capita development level. Relying on the existing customer market, we will classify customers according to the standards of farmers, specialized breeding households, migrant workers, individual industrial and commercial households in market towns, wage earners and small and medium-sized enterprises, and implement differentiated financial products in a classified manner to improve the pertinence and efficiency of services. It is necessary to focus on the characteristics of county economic development, actively support small and medium-sized enterprises with good operating conditions and broad market prospects, create a good pattern of large customer base, high quality and high efficiency, and gradually improve the intensive operation of enterprises.

2. Strengthen accounting and improve the level of fund management. Rural commercial banks should establish special cost accounting institutions, strengthen the accounting and management of funds, especially the cost of organizational funds and credit prices, and maintain appropriate difference space. It is necessary to flexibly use the pricing mechanism according to the changes in market conditions, so that the deposit business can be priced on time according to the quantity, and the loan business can be priced on time according to the transaction, so as to control the cost as much as possible and increase the income. It is necessary to strengthen the monitoring of capital positions, rationally arrange the people's bank of China, provincial associations and peers to deposit funds, and strive for the benefits of depositing funds from peers while maintaining the normal capital demand for business operations, improve the efficiency of capital use, and ensure reasonable operating profits.

3. Accelerate innovation and broaden business income channels. First, relying on the existing deposit and loan settlement business, vigorously develop intermediary business income and increase the proportion of intermediary business income. At present, the intermediary business income of rural commercial banks accounts for less than 2% of the total business income, which is much lower than that of other commercial banks, and there is a lot of room for improvement in intermediary business income. Second, it is necessary to broaden the business scope, actively develop new high-yield business varieties and off-balance-sheet businesses such as international business, credit card business, installment payment and letter of guarantee, and increase the income sources of intermediary business if possible. The third is to develop new financial services. According to customer needs, we will vigorously carry out services such as custody and charging, and strive to increase service income.

4. Build a brand and improve the soft power of market competition. Rural commercial banks should strengthen brand image construction, strengthen publicity, expand popularity and improve the soft power of market competition. Externally, through newspapers, radio, television and other media and banners, wall slogans and other carriers, we should vigorously publicize that rural commercial banks are banks serving the county, banks serving the people in the county and banks actively fulfilling their social responsibilities; Internally, it is necessary to constantly instill the service concept and service characteristics of rural commercial banks in customers through store publicity, service improvement and financial products enrichment, so as to improve customers' awareness and recognition.

5. Give full play to the advantages and tap the potential of county market. Rural commercial banks should continue to give full play to the advantages of being familiar with the land and the situation in rural areas, carry forward the spirit of "visiting thousands of households", go deep into customers, find new customers through old customers and consolidate existing customers. Only by vigorously tapping the potential of county market, enhancing market competitiveness and consolidating and increasing market share can rural commercial banks be invincible in the tide of interest rate marketization.