Our Country Commercial Bank Profit Model Transformation Research

Our country economy enters the new normal,economic growth is slowing,transformation of economic structure and transform the economic growth become the key to economic reform in China.Financial sector,as the important areas of the economy in our country,the financial sector for China's economic structural adjustment and long-term stable development of economy in our country plays an important role.Commercial Banks as an important part of China's financial industry,commercial Banks health sustainable development is particularly critical.For a long time,our country commercial bank has been predominantly rely on the credit scale of traditional extensive profit pattern,relying too much on credit business,a single profit source.As to continuously promote interest rate market reform in our country in recent years,in 2012,issued after the Chinese version of Basel capital more strict regulation and rapid development of Internet financial enterprise,has further squeezed the profit space of the commercial Banks in China at present.Our country commercial bank credit scale greatly reduced due to the economic growth is slowing,driven by expanding credit scale of commercial bank profit growth of profit model is unsustainable.Some commercial Banks have begun to actively transformation in our country,therefore our country commercial bank how to achieve its profit model transformation is a problem worth thinking deeply.To change the profit pattern of extensive growth high capital consumption,realize the goal of intensive management,out of a bank with the characteristic of business development,China merchants bank successively in 2004 and 2004,transformation is put forward,and the results so far achieved significant transformation,become our country commercial bank profit model transformation path leader.China merchants bank,for example,this paper USES the case analysis,to the transformation of China merchants bank,the profit model process and effect were studied,so as to our country commercial Banks profit model transformation to provide reference,rich the research of our country commercial bank profit model transformation.This article first elaborates the research background,significance,commercial Banks profit model transformation were reviewed existing research results,summarizes the theoretical basis of commercial bank profit model transformation.Second to the domestic and foreign commercial Banks profit model has carried on the contrast analysis,analysis of the three countries the United States,Japan and Singapore commercial Banks profit model,summarizes these countries experience for reference to our country commercial bank profit model,analyze the present situation of our country commercial bank profit model is still spreads leading traditional profit model,overall profit model of a single,low level of intermediary business development,and poor business synergy,and from capital regulation,the interest rate market reform completed preliminary and rapid development of Internet financial enterprise Angle analysis the urgency of the our country commercial bank profit model transformation.Then carries on the case analysis of China merchants bank,China merchants...