China has been engaged in interest rate reform,and China's market interest rate reform is basically completed when the central bank announced abolition of the deposit interest rate ceiling in 2015,it can bring a great impact to the commercial banks inevitably,because commercial banks have self-pricing power of interest rates,which intensify horizontal competition and narrow the gap between the deposit rate and lending rate,then commercial bank's profit can face a huge crisis.The main profit source of China's commercial banks is interest income,this profit structure is bound to be subject to market interest rate,Therefore,commercial banks need to optimize the existing profit structure to seek more long-term development.The article analyzes the present situation of profit structure of chinas commercial banks and obtains the problems of profit structure which based on the analysis of related literatures and theories at domestic and abroad.Then the article selects ten years financial data of 16 listed banks as a sample,and use panel data regression do the empirical analysis from the profit level and the profit structure,the conclusion is that interest rate marketization has a significant impact on the profit structure,and the positive effect of non-interest income is greater than Interest income on the positive role of the bank under interest rate marketization,which warning commercial banks pay more attention to non-interest business.Therefore,commercial banks should maintain interest income and increasing returns should focus on the development of non interest business. |