存款利率的放开标志着我国利率市场化基本完成,这将给我国农村信用社经营管理带来较大的影响。本文结合我国农村信用社经营的特点,分析存款利率市场化对我国农村信用社的影响,分析认为存款利率市场化在推动我国农村信用社调整经营方式及向农村商业银行转型的同时,也带来盈利空间下降、利率风险增加等消极影响,并据此提出我国农村信用社应通过强化传统业务、加快流程银行建设和寻求政策支持等措施来应对存款利率市场化。

As the main force of rural financial market, the rural credit cooperatives bear the functions of serving the county economy, supporting agricultural development and helping small and micro enterprises. The liberalization of deposit rates marked the basic completion of China's liberalization of interest rate, which will bring greater impact on the management of rural credit cooperatives. Combing the characteristics of the management of rural credit cooperatives, this paper analyzes the positive impact on the rural credit cooperatives of elimination control of the deposit interest rate such as promoting the adjustment of business method and transformation to rural commercial bank, also the negative impacts such as narrowing the interest margin, increasing the interest rate risk and so on. Finally, the paper puts forward some countermeasures such as strengthening the traditional business, accelerating the construction of process banks and seeking policy support and so on to deal with the deposit rate liberalization.