To suppress complication of transmission/reception processing even in the case where a user terminal supports a plurality of bandwidths, or the case where the terminal concurrently connects to a plurality of radio communication systems with different usage frequencies, a user terminal, which communicates with a radio base station for forming a wide-area cell and anther radio base station for forming a narrow-area cell in a radio communication system where the narrow-area cell is provided inside the wide-area cell, is provided with a reference signal generating section that generates a sampling frequency of a baseband signal of the wide-area cell as a reference signal, a frequency adjusting section that converts a frequency of the reference signal by n/m times, and a baseband processing section that uses a frequency subjected to frequency conversion as a sampling frequency of a baseband signal of the narrow-area cell.