Under The New Economic Situation, Study Changes Of Our Country Commercial Bank Profit Model

With the happening of 2008 global financial crisis, the macroscopic economic environment received significant influence; People's Bank of China adjust the benchmark interest and floor on lending rates in 2004, can celled financial institutions lending rate offline in 2013, commercial Bank start adjust their deposit and lending rates according to the economic market environment. Those movements improved interest rate market, the phenomenon of high spreads environment in Chinese commercial Bank did not exist anymore. In the meantime, the fast development of Internet finance pushed the progress of disinter mediation, such as Trust,Balance treasure,Current pass and so on. With the publication of Basel on December 2010, Chinese commercial Bank face more strict capital restrain. Due to the significance strike of new financial form,the profit space of Chinese commercial Bank has been taken over, and use profit income base of the traditional profit model could not meet the demands of the new age. A new development path for Chinese commercial Bank seems to be a urgent task for now.This study collected several scholars work in worldwide and to gain a understanding of related theories. First, it analyzed the financial environment of the industry of Chinese commercial Bank, and gain a understanding of the necessarily of the change of its profit model. Then analyze its profit ability and situation, understand the profitability of Chinese commercial Bank. After this, the study analyze the profit model of commercial Bank from four aspects: Income Structure,Cost Structure,Intermediate Business Development and Assets Structure,to understand the security and mobility. After analyze the data, the researcher have found the current issues in the profit model of commercial Bank. Finally, to compare with the American Bank industry in the income structure, cost structure, and capital aspects data to analyze Chinese Bank's issues and provide solutions. The issues of current Chinese commercial Bank are nonprofit income is lower than developed countries, middle business needs full development, financial products lack of innovation, lack of ability to control costs, focus on scale development, lower-usage of capital. In order to tackle these issues, Chinese commercial Bank have to actively innovates financial products, control costs, increase nonprofit income, change the traditional development models and profit models, searching a new appropriate profit model of a balanced between profit income and nonprofit income development path.