In July 20,2013,the China Central Bank decided to fully liberalize the financial institutions＇ lending interest rate controls,the move indicates that China＇s interest rate reform has entered a higher level.City commercial banks as urban credit cooperatives of a product of 80 years after the reform,use of their own advantages,have a rapid development in recent years.In this paper,based on the interest rate market under the impact on China＇s city commercial banks SWOT analysis,and put forward the corresponding solutions.