Analysis On The Optimization Of The Profit Structure Of Inner Mongolia Bank Under The Interest Rate Marketization

Urban commercial banks were established with the approval of the State Council,and were basically restructured by a number of local urban credit unions,which are playing an indispensable role in the development of the national economy.Inner Mongolia Bank is a combination of Yuquan Credit Union,Huimin Credit Union,Education Credit Union and many other credit unions.In 1999,Hushi Commercial Bank was established.In 2009,it was renamed Inner Mongolia Bank and it obtained cross-district operations.The Bank of Inner Mongolia has always adhered to the concept of green development and actively fulfilled its due green responsibility as a financial enterprise.At present,green loans have reached 2 billion yuan,providing strong financial support for environmental protection enterprises and projects,while according to the actual situation of agriculture and animal husbandry in the region.In line with the principles of benefiting agriculture,peasants,supporting agriculture and animal husbandry,meeting the diversified needs of farmers and herdsmen,and serving the families of farmers and herdsmen,we will carry out financing business involving agriculture and pastoral loans in areas under our jurisdiction.Agricultural and animal husbandry development should be promoted by supporting the leading enterprises in agricultural and animal husbandry industrialization.In the course of deepening financial reform,the state has released interest rate control and given the decision-making power over interest rates to financial institutions,which,according to their own capital situation and their judgment on Jinrongshichang's movements,have finally formed a principal adjustment rate based on the central bank's benchmark interest rate.With the money market interest rate as the intermediary,the market interest rate system and interest rate formation mechanism that determine the deposit and loan interest rate of financial institutions by market supply and demand are also called interest rate marketization.This has not only brought opportunities for commercial banks,but also brought challenges.It has greatly tested the ability of commercial banks to raise capital,internal control management ability,innovation ability,win-win cooperation awareness and risk prevention awareness.The release of interest rates,commercial banks can release the previous shackles,with their own strength in the market to play,unlimited magnify their strengths,in the reform to enrich and strengthen themselves.Under the interest rate marketization,Inner Mongolia Bank serves the local economy,analyzes the impact of its operating status,existing problems,and existing problems on the profit structure of Inner Mongolia Bank,and conducts a three-dimensional display of the annual report information of Inner Mongolia Bank for the past four years.It also makes a detailed analysis of the key items in the report,draws out the internal and external factors that affect the income and profits of Inner Mongolia Bank,and puts forward suggestions and opinions on the rationalization of various factors to solve the problem of the single and unstable profit structure of Inner Mongolia Bank.Optimize the composition of profits and secure the realization of profits.