Research On Interest Margin Management Of Domestic Listed Commercial Banks Based On Competitiveness Improvement

As the main way for commercial banks to obtain profits,interest margin determines the competitiveness and market position of commercial banks.With the deepening of interest rate marketization reform in China,the aggravation of banking market competition and the influx of foreign banks,the profitability of commercial banks will be greatly impacted.To improve the level of interest margin management has become the realistic requirement of China’s commercial banks,especially in the context of interest rate marketization,it is of great significance to study the interest margin management for solving the problem of declining profitability of China’s commercial banks,enhancing the competitiveness of banks and even the healthy development of the financial system.On the basis of combing the research status of interest margin at home and abroad,this paper analyzes the interest margin management of domestic listed commercial banks from the perspective of improving competitiveness,referring to the previous research and combining with the current situation of China’s commercial bank management.Specifically,based on the relevant theory of interest margin management,this paper first introduces the current situation of interest margin differentiation and management of domestic commercial banks.Based on the research results at home and abroad,this paper analyzes the macro and micro factors that affect the interest margin of commercial banks,and constructs the theoretical model of interest margin management of commercial banks.Secondly,through the analysis of the influencing factors of commercial banks’ competitiveness,this paper combs out the mechanism of commercial banks’ interest margin management to promote their competitiveness.Then through the empirical analysis of the sample data of 16 listed commercial banks in China from 2010 to 2018,on the one hand,a multiple linear regression model is established to find variables that have a significant impact on the interest margin of commercial banks,so as to build a framework for the interest margin management of commercial banks,on the other hand,the principal component analysis method is used to summarize the four dimensions of the interest margin management of listed commercial banks,which clearly promotes the development of commercial banks The effective way to enhance competitiveness.Finally,on the basis of the above theoretical and empirical analysis,using the experience of foreign commercial banks’ interest margin management for reference,the paper puts forward the optimization suggestions of domestic commercial banks’ interest margin management.