Research On The Transformation And Optimization Of China's Listed Commercial Banks Profit Model

Due to the lag of the development of domestic capital markets,commercial banks have become the main providers of capital and always had huge profit margins in the process of social and economic development.But with the market-oriented interest rate accelerated,financial,disintermediation" intensified and increasingly stringent financial regulation,its profit margins are being squeezed;the profit model of relying on interest income is facing a huge impact.timely adjusting earnings strategy,changing the unreasonable profit model is directly related to the fate of future development of China's commercial banks.Therefore,the study on profit model's transformation and optimization of Chinese listed commercial banks' has important practical significance.Study are as follows:First,considering the constitution of China's commercial banking system and completeness of information disclosure,Large commercial banks,national joint-stock commercial banks and city commercial banks were selected as the subject.Second,using direct proportion method to determine the type of different types of commercial bank profit model.Second,use direct proportion method to judge the type of different types of commercial bank's profit model,and then analyze the character and problems of Chinese listed commercial banks profit model from two angles:income and business.Third,based on the above results of qualitative analysis,construct the following two regression models:the regression model on different types of income's stimulating effect on profit growth and the regression model on internal and external factors that affect non-interest income.And conclusion as follows:one is non-interest income has higher effects on profit growth than interest income,and the other is the external factors affecting non-interest income of the three type of listed commercial banks are the same,they are disposable income of urban residents and financial regulatory environment.While because of the different operating conditions,the internal factors affecting the three listed commercial banks' non-interest income varies.According to the conclusions of the study,combining the macro background of China's economic operation and the industry characteristics of commercial banking,the paper propose different types strategies from the macro,meso and micro levels,such as improve the financial regulatory environment,achieve differentiated operation of commercial bank,adjust and optimize business and customer structure and Strengthen risk management and control of intermediate business.