| Commercial banks’ profit model are always the important research subjects ofscholars. With the rapid development of China’s banking industry, There aremore and more conflicts and problems about profit model in commercial banks’operation and management. Some scholars began to realize that Chinese commercialbanks’ leading interest margin of profit model has become more and more hard to adapt tothe changes in the operating environment of the banking industry. Then based on theresearch of leading profit model of interest margin and analysis of the commercial banks, ithas strong theoretical and practical significance meanings what told us that we needchange management ideas, development of diversified profit model and respond toincreased competition in the banking and financial institution’s markets.This thesis is based on the related theory, interest margin model of commercial banks,the reasons and the analysis of the related affecting factors of the model, combining thepresently situation of commercial banks operations and the changes of market environment,using panel data and dynamic analysis method, to study the Chinese commercial banks’leading interest margin of profit model. The empirical results show that the leading interestmargin of profit model can not adapt to changes of the Chinese banking industry and thechanging environment of market economy, Chinese commercial banks’ leading interestmargin of profit model is difficult to maintain. Therefore, commercial banks should takemeasures and countermeasures actively to change the existing profit model, to implementprofit model transformation, and develop diversified profit models.Finally, the thesis is based on the conclusion of the research of commercial banks’profit model to suggest that if commercial banks do not change the existing mode, therewould be a big crisis. So I proposed some countermeasures which commercial banksmust be implemented by themselves and the macroscopic policy suggestion to solve theproblem. |
PDF Full Text Request