Innovative Research On The Transformation Of Profit Model Of China's Commercial Banks In The Supply-side Reform Process: Methods And Paths

With the continuous deepening of the Supply-side reform,the traditional profit model of commercial banks that is mainly interest income is too single,the function of the commercial banks that serves the real economy has continually weakened,and the benefits are reduced constantly.The traditional model no longer fits the demand of the current market and the development of commercial banks,so the transformation of the profit model is urgent.Commercial banks should return to serve the real economy,transforming the inferiority into superiority and following the policies of the country.They should carry on the layout of the Supply-side reform,research and analysis financial demand emerged on the market.This paper introduces the background,purpose,significance and methods of the research,combining with the summary of the results of the domestic and foreign research,then it concludes the innovation of the paper.Commercial banks should change the option from the perspective of their own,exploring the profit model of commercial banks to serve the real economy.Then through studying the relationship between the Supply-side reform and commercial banks,the paper can deeply analyze the effect that the commercial banks make in the Supply-side reform,and it also conclude how the Supply-side reform accelerate the transformation of profit model in commercial banks,finally commercial banks also need the Supply-side reform.So the paper concludes that the Supply-side reform is an important opportunity for the transformation of commercial banks.The paper mainly analyzes the profit model of commercial banks.Through the analysis of the internal and external environment of the commercial banks,and the calculation of some ratios,such as the ratio of interest income and the ratio of non-interest income.According to the annual report of listed commercial banks about nine years,the paper can synthetically determine the status of profit model of Chinese commercial banks and their existing problems,and the problems are the single profit model,low degree of financial innovation and theweakening function that serve the real economy.The focus of this paper is that the commercial banks return to the nature that serves the real economy through analyzing the innovation of the profit model.First the paper analyses the measure which the commercial banks can make in the Supply-side,then commercial banks should achieve competitive differentiation,promoting their own financial products and services that are different from peers,and build their own core competitiveness;while commercial banks need to integrate various resources to make up their own short board,in order to achieve cross-border cooperation.Combining with the policy of the supply-side reform,the paper concludes that the financial innovation should be throughout the transformation.Finally in order to better safeguard the transformation of the profit mode of commercial banks,they should start from themselves to make a better innovation mechanism for the transformation of profit model.