of the interest rate marketization proposes a higher request for the independent operation and the capital allocation efficiency of financial institutions. Large-sized banks are able to essfully handle the impact of interest rate marketizat ion through their sound risk management capacity. While the local corporate financial institutions whose main e from the interest margin will face serious test due to restraining factors such as lack of interest rate risk aversion tools , the sc ale and talented staff and so on. The paper analyzes the present situation that the local corporate financial institutions respond to the interest rate marketization in Shizuishan city and puts forward related suggestions. Keywords : interest rate mark etization; local corporate financial institution 责任编辑、校对:申建文