Empirical Analysis For The Impact Of The Changes Of Monetary Policy On The Profits And Risk Of Commercial Banks

Commercial Banks position is very important in the monetary policy transmission process,Commercial Banks are central Banks regulating macro economic intermediary, Is a central bank's important channel in the implementation of monetary policy process, It for economic development played an important role. Commercial Banks in the management of the follow three principles, Profitability is commercial bank's first principle. however, The process of the central bank in making monetary policy, Usually only focus on the macro economy, Focus on the financial market stability, Ignore the commercial bank operating condition which played an important role in the transmission of monetary policy. Domestic and foreign scholars research is relatively rare in this respect, Especially monetary policy on Chinese commercial Banks' earnings influence of empirical studies almost no involves, Therefore, this research has important guiding significance for the behaviors of the central bank and the commercial Banks.Based on monetary policy and China's commercial Banks' earnings and risk as the research object, Firstly establish commercial bank profit model, according to effective monetary policy tools of interest rate risk influence, Establish commercial bank risk model. This paper using EVIEWS software processing data, Respectively from the perspective of the two models, the central bank's monetary policy on China's part of earnings and listed the joint-stock Banks risk influence situation, Draw legal deposit reserve rate and currency supply of Chinese commercial Banks' earnings do not produce significant influence, Interest rate movements can cause our country commercial bank earnings of change, Interest rate adjustment will give a bank value of assets and income impact conclusion. Finally, the commercial Banks to deal with monetary policy changes are proposed.