Research On The Profit Model Of China's Listed Commercial Banks Under The Background Of Interest Rate Marketization

Interest rate marketization is a sign of judging the level and depth of a country's financial development.The comprehensive development of interest rate marketization has narrowed the deposit-loan spread.The profit model of China's listed commercial banks,which is mainly based on deposit-loan spreads,has been impacted and challenged.Commercial banks operate.The sustainability is adversely affected.Nowadays,China's interest rate marketization reform is coming to an end,and remarkable achievements have been made in the reform.The commercial bank's transitional profit model gradually replaces the traditional deposit-loan spread profit model.In order to gradually develop a balanced development profit model in the future development process,comprehensively sort out the factors affecting the profit model of China's commercial banks,thus laying a good theoretical and practical foundation for the transformation of the profit model of Commercial Banks,the improvement of the operational stability of commercial Banks and the realization of profit growth.This paper first expounds the theoretical knowledge of interest rate marketization and commercial bank profit model,and defines the profit model of commercial banks.According to the proportion of non-interest income,it further subdivides the bank profit model,that is,the traditional deposit and loan spread profit model and transition.The profit model of the period?the balanced development of profit model in the future.At the same time,it comprehensively sorts out the process of China's interest rate marketization reform,and divides listed commercial banks into large state-owned commercial banks,medium-sized joint-stock commercial banks and small-scale city commercial banks according to the total assets,and analyzes the profit structure of the three types of banks in depth,including: Net interest spread,non-interest income,operating expenses,etc.In addition,the empirical research method is used to further study and analyze the profit model of China's listed commercial banks in the context of interest rate marketization.A model for the time sample was selected from 2007 to 2017,and a regression study was conducted on listed commercial banks and three types of commercial banks.The empirical research shows that increasing the proportion of non-interest income in the context of interest rate marketization can effectively improve the profitability of commercial banks,while the profit model of medium-sized joint-stock commercial banks is the most affected,followed by large state-owned commercial banks.Then there is the degree of influence of small city commercial banks.In the context of interest rate liberalization,the three types of banks should follow a differentiated development path.Large state-owned commercial banks should use their own advantages to take the road of integration and internationalization,accelerate the development of non-interest business while maintaining the proportion of traditional interest income,and focus on using modern technology to reduce operating costs.Medium-sized joint-stock commercial banks need to combine their own advantages,improve their professional level,and embark on a road of development with their own characteristics,increase the development of non-interest income business,form brand characteristics,and expand their popularity,so that they have unique competitive advantages.Small-scale urban commercial banks should rely on the advantages of local resources,open up new profit growth points,improve asset allocation structure,broaden business types and effectively prevent and control risks,and promote long-term sustainable development of enterprises.