Research On The Transformation Of The Income Structure Of City Commercial Banks Under The Background Of The Deepening Of The Social Financing Structure

Financial market is the blood of economic development and plays a role in delivering ammunition and providing strong support for economic development.Since the reform and opening up,great changes have taken place in China's financial market and financing mode,and this change is still continuing.Since the 1980 s,the government of capital controls,to the Banks' capital financing of the 1990 s,to the rapid development of the capital market in the early 21 st century,rapid development of stock market in recent years,the trust,private equity funds,Internet financial shadow Banks but also brings the diversification of financing channels and financing mode,financing in our country have become more flexible,financing mode to deepen in quietly.Along with the deepening of financing structure is the change of the status of financial institutions,bank capital is still the main source of market capital,but it has been restricted and challenged by many aspects.In the process of continuous marketization,the interest margin of commercial Banks has been shrinking.In the process of financial market changes,the proportion of non-interest income of commercial Banks has been increasing year by year.The traditional interest margin income space is getting smaller and smaller.As a latecomer of commercial Banks,urban commercial Banks are already at a disadvantage in terms of capital scale,popularity and market share.They have more urgent transformation needs than other large joint-stock commercial Banks.In this paper,the social overall development in all aspects of financing structure,put forward the trend of social financing structure deepening,in time for the shaft at the same time,through the different commercial Banks and urban commercial Banks income structure horizontal and vertical direction,flow rate,the sum of the stock of different levels,find out the urban commercial Banks' income structure change rule and the future direction of structure adjustment of income.On this basis,this paper takes Baoshang Bank as an example,analyzes its income structure,and deeply analyzes the main problems existing in the income structure of Baoshang Bank under the background of deepening social financing structure,and from the perspective of urban commercial bank managers,this paper comprehensively analyzes the necessity of urban commercial bank transformation,the direction of China's future financing mode change and market demand,and puts forward the direction of China's urban commercial bank business transformation in the future.Through analysis,this paper believes that urban commercial Banks have more opportunities than before in the new round of financial industry adjustment,which provides them with the possibility of overtaking on curves.Urban commercial Banks should follow the trend and combine their own characteristics to realize business transformation as soon as possible.They should take PE,securities underwriting,financial consulting and other businesses as their core businesses in the future to enhance their comprehensive strength in the new competition.