Risk Prevention and Control and Profitability Improvement Path of Small and Medium-Sized Banks under the Background of Interest Rate Marketization Reform

Zhuoming Liu

doi:10.47297/wspdecWSP2515-797328.20250908

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Risk Prevention and Control and Profitability Improvement Path of Small and Medium-Sized Banks under the Background of Interest Rate Marketization Reform

Volume 9, Issue 8

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Risk Prevention and Control and Profitability Improvement Path of Small and Medium-Sized Banks under the Background of Interest Rate Marketization Reform
Risk Prevention and Control and Profitability Improvement Path of Small and Medium-Sized Banks under the Background of Interest Rate Marketization Reform
Shenzhen Yunding Elite International High School, Shenzhen, Guangdong, 518017, China
Vol. 9, Issue 8, Pages: 152-155(2025)
Published：30 August 2025
DOI：10.47297/wspdecWSP2515-797328.20250908
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Liu Zhuoming.Risk Prevention and Control and Profitability Improvement Path of Small and Medium-Sized Banks under the Background of Interest Rate Marketization Reform[J].Development Economics of China,2025,09(08):152-155.
DOI：

Liu Zhuoming.Risk Prevention and Control and Profitability Improvement Path of Small and Medium-Sized Banks under the Background of Interest Rate Marketization Reform[J].Development Economics of China,2025,09(08):152-155. DOI： 10.47297/wspdecWSP2515-797328.20250908.

摘要

Abstract

The interest rate marketization reform

mainly focusing on the reform of loan market quoted interest rates

marks a new historical stage in China's financial macro-control mechanism. Its profound significance lies in the basic establishment of the interest rate formation mechanism of "market interest rate+central bank guidance". Compared to large banks

the "shortcomings" of small and medium-sized banks in corporate governance

risk pricing

technology empowerment

etc. are infinitely magnified

and their survival and development space are doubly squeezed. In this context

systematic research on risk prevention and profitability improvement paths for small and medium-sized banks is crucial to the commercial sustainability of thousands of small and medium-sized banks themselves

and is of great practical urgency for maintaining regional financial stability and ensuring credit supply in key areas of inclusive finance such as agriculture

rural areas

and small and micro enterprises.

关键词

Keywords

references

Liu Daoyu , Liu Yanheng , Zhou Jianyu , etc Research on the Development Trends and Countermeasures of Small and Medium-Sized Banks in China under the Conditions of Interest Rate Marketization [J ] . Chinese Market , 2025 ( 7 ): 25 - 28 .

Li Junrong Research on Interest Rate Risk of Small and Medium-Sized Commercial Banks under the Background of LPR Mechanism Reform [J ] . Market Weekly Theoretical Edition , 2021 ( 39 ): 92 - 94 .

Bao Xinxin Research on the Profit Model Transformation of Small and Medium-Sized Commercial Banks in Response to Interest Rate Marketization [D ] . Xiamen University , 2021 .

Wu Feifei Risk response of small and Medium-Sized commercial banks under interest rate liberalization [J ] . Times Economy and Trade , 2020 ( 24 ): 74 - 75 .

Luo Miaojuan Analysis of Countermeasures for Interest Rate Risk Management of Small and Medium-Sized Commercial Banks under Interest Rate Marketization [J ] . Economic Perspective , 2017 ( 10 ): 159 , 161 .

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