Research On The Profit Ability Of Chinese Commercial Banks Underthe Background Of Interest Rate Liberaliza-tion

In modern economy,interest rate is the performance of capital price,and the change of interest rate level can directly reflect the development of financial market.Interest rate level is restricted by many factors in the economic society,and the change of interest rate level will have a great impact on the whole economic society.As the core of modern economy,finance is closely related to interest rate.According to the world bank statistics,most countries in the world have realized interest rate liberalization.For a long time,China's commercial Banks under the condition of interest rate controls formation is given priority to with asset scale expansion of quantitative management development mode,along with the market-based reform of interest rates,deposit and made the profit model suffered from serious challenges."Much starker choices-and graver consequences-in planning" clear "we will accelerate reform of the financial system" as a period of important strategic development goals,interest rate marketization of our country has come into a substantial stage,marketization of interest rate for listed commercial Banks in China is both opportunity and challenge,in the development process of commercial Banks how to deal with to ensure sustainable development,the research has theoretical significance and practical significance.This article firstly analyzes the marketization of interest rate and the theoretical level of commercial bank profitability,in-depth analysis of the opportunity and challenges of interest rate marketization of listed commercial Banks in China,the next to the developed countries to the profitability of listed commercial Banks in China international experience for reference,and under the interest rate marketization in our country the status quo of listed commercial bank profitability analysis,and combined with the banker magazine published in 2017 list of the top 1000 global bank to evaluate it.Under the interest rate marketization in China: an empirical study of listed commercial bank profitability,with all the 16 listed commercial Banks in our country as the research sample,according to the total asset value,Numbers of branches,and so on,divided 16 listed commercial Banks into large joint-stock commercial Banks,small and medium-sized joint-stock commercial Banks and city commercial Banks,selected the between 2007 and 2016,10 years of financial data as sample,and other indicators,research and analysis of these variables influence on commercial bank profitability,and for different types of listed commercial Banks,using the regression analysis of different empirical model,in order to comparative analysis.Finally,according to the empirical results,the paper proposes corresponding strategies for the transformation of the profit model for different types of Banks.Large joint-stock commercial Banks should actively carry out diversified business,improve the ability of bond underwriting and merger and acquisition,and use institutionalized risk control.Small and medium-sized joint-stock commercial Banks should take advantage of its flexibility,service fine balancing risk and profitability,to speed up financial innovation,pay attention to the development of non-interest income business,city commercial Banks should get the industry positioning,pay attention to the development of special financial services.