Research Of The Commercial Banks Business Model Transformation In China Under The Background Of Market Interest Rate

The marketization of interest rate is the development trend of global financial integration, which is the objective requirement for the further perfection and development of Chinese finance. But if the implementation of the interest rate market-oriented must be very cautious, if the implementation of the good it can promote China's commercial banks to carry out business innovation, and promote the bank to accelerate the transformation; but if not well implemented in the bank deposit and lending spreads, Will have a huge impact on the business model of traditional commercial banks, and even affect the stability of the financial system to a certain extent. Therefore, under the condition of interest rate marketization, how to adjust the business model is a very important and arduous task.After analyzing the present situation and theoretical background, this paper uses the quantitative model to study the impact of interest rate marketization on the operation of listed commercial banks in China, and clarifies the impact of interest rate marketization on the performance and business structure of different types of commercial banks. Then, based on the theoretical analysis and empirical test results and the actual measures in the process of interest rate marketization, the author summarizes the traditional management concepts, innovates the management system, optimizes the interest rate risk management process, uses the front management to prevent the assets and liabilities Pricing system; vigorously promote financial innovation, seize the opportunity of marketization of interest rates and other measures and methods to promote China's commercial banks in the interest rate market conditions under the business model transformation.