| The interest rate marketization has always been a hot topic, however, this is not an armchair strategist, the implementation of market-oriented interest rate has been in, has now entered the phase of assault fortified positions. After the reform and opening up, China’s economy has been in stability, rapid growth, the banking industry in the economic development plays a particularly important role, and rising in the bank’s overall strength and operating efficiency. But in recent years, the interest rate market to promote the benefits of reduced bank bright. For a long time, the strict control of interest rate policy that our country commercial bank mainly to expand the scale of asset number type business model, customer object is mainly large state-owned enterprises, listed companies, business type is mainly deposit and loan business, so as to form the traditional single profit model, the savings and loan spreads profit model, interest income is the main source of income of China’s commercial banks.However, in the interest rate marketization, the financial industry has been affected, the commercial banks bear the brunt. Under the condition of interest rate marketization, the assets of commercial bank will face increased express reduction or even declining, deposit and loan interest rate will decrease sharply, the traditional single profit model will be a great challenge. Therefore, in the process of marketization of interest rate of our country commercial bank profit model adjusted is an important and urgent task. Through of traditional single profit model of commercial bank to carry on the research analysis, find the interest rate market reality of the impact of the profit mode of commercial bank, according to the reality of the economic environment proposed our country commercial bank profit model transformation, put forward the corresponding policy and suggestions.In this paper, through the analysis of the commercial bank in the interest rate marketization of the macro-economic background, its profit model under the influence, and through the case analysis way to research the influential factors of the transformation of commercial bank profit model. First, an overview of the profit model of the interest rate market and commercial banks; secondly, based on the analysis of the profit model theory and commercial bank interest rate market, the interest rate market to explore the impact of China’s commercial banks; secondly, the practice of the United States and Japan’s commercial banks in the interest rate market transformation, absorb experience the lesson, then according to the specific situation of our country to learn; thirdly, prepared under the above selected as a case study of China Citic Bank, analysis of the influence factors of its main interest rate marketization and a change it made; finally, according to the case analysis, put forward suggestions and measures China’s response to the commercial bank interest rate marketization. |
