Research On The Transition Of Profit Model Of Chinese Bank Under Interest Rate Liberalization

In the context of the interest rate marketization,the banks has sought to transform,and strive to open up new business areas outside the traditional credit business,a considerable part of the commercial banks will develop the intermediary business as their own transformation direction.But there is no consensus on whether the development of intermediary business has helped the commercial banks to change their own profitability model.Therefore,the study of the way to carry out intermediary business,the effect and the weak has considerable theoretical and practical significance.This paper analyzes the relevant theories of interest rate marketization and profit model both in China and abroad.On this basis,it analyzes the reform process of interest rate marketization in China and analyzes the interest rate market from the macroeconomic level,the middle view industry level and the micro business level Impact on the Profit of China's Commercial Banks.Then,by analyzing the income structure of 16 representative commercial banks,the paper analyzes the changing trend and composition of operating income,interest income and intermediate business income,and obtains the present situation and existing problems of current commercial bank profit model.After the transformation of profit model of Industrial and Commercial Bank of China as a case,the use of dynamic indicators of comparative analysis and comprehensive evaluation and analysis of relevant knowledge,analysis of ICBC in the development of intermediate business to achieve strategic transformation through the development of intermediate business The results of the analysis,so as to find the existing problems.Finally,according to the previous analysis,it is put forward that the transformation of profit model should be changed for the commercial banks at present,and the synergies of the intermediary business should be changed,the intermediary business products should be expanded,new profit channels should be explored,differentiated development strategies,Management level and risk control level;increase human capital investment,cultivate specialized personnel;attention to technology research and development,building intelligent bank these 7 aspects of the proposal.