Research On The Transformation Of Profit Model Of City Commercial Banks In China

At present,China's banking industry is facing an increasingly fierce external environment,the interest rate market continues to advance,the financial institutions have taken various measures to actively reform and innovation,to deal with the increasingly serious challenges.China's urban commercial banks as an indispensable in our banking system A member,will be among them,and actively promote the business reform and innovation,strengthen the profit model transformation efforts and the speed of the increasingly urgent.This paper constructs the theoretical model of the transformation of the profit model of the city commercial bank,and combines with some organizations in the financial system of China that are similar to the Chinese city commercial banks.We choose the representative foreign banks to study the development of the profit model,The driving factors of profit model transformation are integrated into the process of analysis,and in the process of summing up their experiences and lessons,this paper combines the basic situation of profit model of Chinatown commercial bank and finds out its symptoms and provides reference for the transformation of profit model of Chinese city firms.And then through the empirical study of profit structure to find the bank operating profit and net interest income and the relationship between intermediary business income.Using Stata 15.0,SPSS 17.0 and other measurement software to process the data,establish the regression model,so as to obtain the size and direction of the effect of intermediate product and service income on its profitability,and finally provide the data support for the research of the core problem.The main conclusions are as follows:Firstly,the study of the impact of the profit model on the profitability,focusing on interest income and non-interest income on the operating profit of the pull force of the size of interest income and non-interest income have a positive impact on operating profit,Interest income is more able to increase the growth of operating profit,which also provides a support for the feasibility of this article from the data,but also for the city commercial bank profit model provides a direction of transformation.Secondly,the city commercial banks of the financial indicators of factor analysis,profitability of the comprehensive factor points,and then as the dependent variable,the non-interest income ratio NNIIR as independent variables,GDP,the total asset size TA as the control Variables,regression analysis,and finally concluded that:non-interest income accounted for NNIIR on the city's commercial banks to enhance the profitability of the role is more obvious,and the city's own scale,macroeconomic situation on the city firm's action is minimal,The degree of economic benefits of urban commercial banks is relatively poor,need to be further strengthened,and because of its own characteristics,such as geographical restrictions,customer limitations,so that it is rarely subject to national macroeconomic policies,the impact of external economic environment.Finally,on the basis of the analysis of empirical conclusions,combined with the actual situation for China's urban commercial banks profit model transformation path to explore.