Research On The Profit Model Of Commercial Banks With The Interest Rate Liberalization

In2013July the central bank China liberalization of financial institutions lendinginterest rate regulation, then made two adjustments to the benchmark interest rates,Thispolicy expand the commercial banks’ interest rate fluctuations, strengthen the pricingpower of banking industry.The present situation, China’s commercial banks have raisedinterest rates, lower loan interest rates, led to the commercial bank loan spreadsnarrowed further, which change has brought the huge impact to the traditional profitmodel of China’s commercial banks.therefore, to seek new profit growth point andachieve to profitability pattern transform has become an urgent task for commercialbanks.This paper analysis the interest rate liberalization process and the influence of USA,Japan, Germany,summarized strategies and experience of this countries commercialbanks; According to the data of commercial bank’s annual report, financialstatement, and the development of the CBRC statistics Banking Report analysis on thecurrent management and the existing problems about china’s commercial banks; baseon the16commercial banks data which collected from2006to2013establish paneldata model, The author respective the influence to the net profit of three typescommercial bank and compare the net intermediate business income and the net interestincome influence on Commercial Bank net profit.According to the results of empirical analysis, find out the problems in thecommercial banks business process and explore and future development the commercialbanks in China.the thesis proposed operational policy suggestions for China’scommercial bank in the process profit pattern transformation The suggestionswhich the paper proposed include several aspects: changing the development conceptand innovating services of the commercial banks;Faced to the domestic trouble andforeign invasion, our commercial banks actively seek new profit growth pole anddevelop intermediary business greatly to become their important measure.Thecommercial bank should that putting the traditional business and intermediary businesson the same position.in order to realize the diversification of profit growth; the banksmust be make full use network technology to improve themselves.bankdeveloping; Different types of banks have different operation way; the commercial banks should pay attention to strengthen risk control, and prevent interestrate risk, credit risk in the process of transformation of profit patterns, whichsustainable development and eventually realize the profits growth.