Research Interest Rate Market Background Commercial Bank Profitability

Interest rate marketization to the whole financial industry has brought the profound influence, our country commercial bank has been as the main suppliers of social margin letter, depend on national macro policy and banking regulation policy support,enjoy the fixed interest rate policy dividend, in a monopoly position. The profit of commercial Banks have long relied heavily on assets, especially the expansion of credit asset classes have, under the condition of marketization of interest rates,Banks will face size slow growth or even decline, its sustained profitability is a great test. And interest rate marketization will profoundly change the macro policy,financial operation mode, social financing level and via, Banks will be a great challenge.This article attempts to from the perspective of interest rate liberalization impact on bank earnings, based on the theory of interpretation, on the basis of combining the method of empirical analysis and the empirical data of reality, the specific effect of interest rate marketization affect bank profits for the objective evaluation and revealed that the commercial Banks to deal with the influence of interest rate marketization on profit made policy recommendations.Research results of innovative mainly reflected in three aspects, one is the perspective of innovation, the existing study of interest rate marketization and profitability using the traditional cost analysis method, this paper commercial bank profit focus on the asset profitability analysis, chose a relatively narrow point of view,from the perspective of a micro consider the influence of interest rate marketization of commercial Banks. Is method innovation, the existing articles on the impact of interest rate marketization of commercial Banks more from qualitative perspective,this article will use the panel data regression model to quantitative analysis, the thesis use non‐bank social financing scale is the most one indicator of the role of interest rate marketization, the influence of interest rate marketization of commercial Banks profit quantification, find the main contradiction. Three is the innovative ideas, research on our country commercial bank profits under the marketization of interest rate, is one of China’s market‐oriented interest rate reform practice and study and at the same time also is our country commercial bank management theory, has important theoretical and practical significance.