A Study On The Transformation Of BOC Bank’s Management And Profit Model In The Interest Rate Market

China’s interest rate marketization in the rapidly accelerating pace of financial sector intensified competition in the industry will be inevitable, since the interest rates of commercial banks can be their own pricing, great opportunity to relax a floating interest rate for the majority of small and medium banks, the deposit is an expanded offensive. In many small joint-stock commercial bank chooses to provide "a float in the end," the high interest rates, the state-owned joint-stock commercial bank deposit market share by the greater impact and is expected to be exacerbated. State-owned joint-stock commercial banks operating with profit mode change is imminent, if not possible to respond effectively enter, will directly affect the survival and development of state-owned joint-stock commercial banks. BOC Bank as a branch of a large joint-stock commercial bank branches, also subject to a greater impact. Therefore, the actual situation of a branch to study the response measures have important theoretical and practical significance.In this paper, the actual situation of a branch of BOC Bank proposed interest rate market difficulties facing the problems, analyze causes of the problem, put forward ideas to solve the problem of trying to be proactive liability management, asset adjustments business structure, innovative marketing mechanism and evaluation mechanism, fully integrated into the Internet banking four major initiatives to implement to enhance the market competitiveness and enhance profitability goals. This paper is divided into seven chapters in the structure. Among them, Chapter 1 is an introduction; relevant theoretical basis for the thesis Chapter 2; Chapter 3, the process of market interest rates and the impact on state-owned commercial banks; Chapter 4 is the operating status of the bank and a branch of BOC profit model analysis; Article Chapter 5 is a branch of BOC bank competitors strengths and weaknesses analysis; Chapter 6, a provincial branch of BOC bank business and profit model transformation ideas; Chapter 7 of summary and outlook.In this paper, the theory of money demand, interest rate theory, the theory of financial deepening. Financial Inhibition theory, theory of financial intermediation, commercial banks put forward the theory of state-owned banks to change their thinking and direction of the management and profit model in the interest rate market to promote the process. In a state-owned commercial bank branches targeted for its advantages and disadvantages of competitors in the market interest rates in the process, identify problems and strengths should play. From the above analysis of the current situation, this paper proposes a state-owned commercial banks measures to manage and profit paradigm shift in the interest rate market, the state-owned commercial banks and comparative advantage over competitors to full play in order to be able to carry out our financial institutions seize the development opportunity to provide some help under marketization of interest rate conditions.