Speed up the adoption of loan rate floor and deposit rate ceiling policy and urge commercial banks to improve asset/liability management (ALM)  With the control of lending scale and deposit/lending rates, the commercial banks’ ALM only focuses on the ratio of deposit to lendings. Interest rate liberalization, nevertheless, requires commercial banks to focus on interest rate risk and capital adequacy ratio.
(i)  Loan rates floor management  Loan rate floor management calls for commercial banks to adjust asset structure with risk pricing. According to a survey on September 2002, less than half of the outstanding commercial bank lendings are fixed rate, while in stock-holding commercial banks, the percentage of fixed rate loans is only 36%.