Under The Background Of Interest Rate Liberalization Of China Commercial Banks Profit Model Transformation Research

Interest rate liberalization reform in China until now, has completed the currency market/interbank lending market and credit interest rate liberalization reform, the floating range of deposit interest rate has the further expande, interest rate liberalization has entered the final crucial stage. Interest rate liberalization reform in China has entered the final crucial stage. Economy and financ ial opening in China need the reform of interest rate liberalization, and Interest rate liberalization is important approach to slove the financial repression and financial deepening in China(Mc Kinnon and shaw, 1973), also promote our country commercial bank marketization road, is conducive to the further development of China’s financ ial system. However, the liberalization of interest rate makes the sensitivity of commercial bank assets and liabilities ris ing, and affecting the profit pattern of commercial Banks in China mainly depend on interest income, it is also possible cause the systemic risk for commercial Banks management.Under the background of interest rate liberalization reform, consider to exploration and research of commercial Banks profit model has practical significance. The structure of investment and financing market in china is dominated by commercial Banks, and the structure lays the foundation of the high profitability of commercial bank, but after interest rate marketization of the profitability of the sustainability is questionable.So, this paper by collecting and organizing the existing financ ial system, the liberalization of interest rate and the theory of commercial Banks profit model, analysis of the financial system, interest rate decis ion mechanism of commercial Banks profit model and the influence of the differences of different commerc ial Banks profit model and operation efficiency, using the theory of financ ial innovation, the enterprise profit model theory and trend analys is dynamic,index contrast analysis,comprehensive evaluation analysis and other related knowledge, combined with China merchants bank of individual case analys is, finally put forward the optimizing adjustment of commercial bank profit model to provide advice.At last, the paper put forward differential operation, the new commerc ial Banks such as the Internet finance, international business development trends and directions.