Study On The Profitability Of Commercial Bank And The Business Impact Of The Financial Disnitermediation

"Financial disintermediation" produced in the 20 century 60's.This phenomenon first appeared in the United States of financial markets,the performance of the way of financing by indirect financing to direct financing.Mainly because the United States Q regulations limit the deposit rates of commercial banks,so a lot of money escape from the banking system,to enter the direct financing market.With the continuous development and improvement of China's capital market and economic,China's financial system also began to the emergence of the phenomenon of financial disintermediation in the 90 s of the 20 th century.Although China's financial disintermediation appear late,but financial disintermediation has become a global trend,so the study of financial disintermediation is very necessary.Particular,attention should be given to the influence of financial disintermediation on commercial bank's profitability and business is very significant,financial disintermediation makes the profitability of banks decreased,also have great impact on the traditional business of commercial banks.In this paper,from the bank profitability analysis for breach formed the research train of thought.1,The comprehensive analysis of the status of financial disintermediation,from the macroscopic level to analyze its impact on the economy.2,Combining with the development of international and domestic situation on the background of financial disintermediation,and then to the historical and realistic reasons for the formation of this phenomenon is discussed in detail.3.this article are to analyze the commercial Banks' financial disintermediation to make an accurate definition,and then take advantage of 2007-2015 financial disintermediation and commercial Banks operating index analysis model is established.By using the model to draw financial disintermediation has negative effects on profitability.After that to profitability as a starting point to observe the change of financial disintermediation in all kinds of the collective impact of commercial Banks and change as a result,for the final effective method was proposed to deal with the development of this emerging things,ensure that Banks have a more profound development momentum.Finally,on the basis of above analysis,the author combined the bank's current business situation,the bank response to the financial disintermediation concrete countermeasures are put forward.Include: banking business management need to make changes,to further develop intermediary business;Under the background of how Banks in the financial disintermediation completes the traditional credit business;Along with the development of the mixed management,commercial Banks should begin from the aspects such as manpower,financial resources,technology,information to enhance their ability,to prepare for entering the securities market in the future;Train of thought and method,improve the risk prevention and control to ensure effective reduce the risk of the banking system in the new environment;Banking sector combined with conditions of basic situation in our country,learn from the experience of the United States,Japan's response to the financial disintermediation.To promote the whole industry environment unceasingly deepen financial disintermediation of the healthy and orderly development.