Studies On Profit Model Of National Joint-equity Listed Commercial Bank

In recent years, Commercial Banks in China has developed rapidly, and plays an important role in Chinese economy. But with the development trend of financial globalization intensifying, the advancement of mercerization of interest rate and the improvement of exoteric extent in some financial markets in our country, the massive influx of foreign banks, makes our country banking industry competition is gradually expanding, the traditional interest income oriented in China’s banking industry profit model is facing severe challenges. Therefore, how to shift profit model become the key to the development of the banking sector.Based on8listed national joint-stock commercial Banks, including industrial bank, China merchants bank, minsheng bank, everbright bank, Shanghai pudong development bank, China citic bank, huaxia bank, ping an bank) profit model development present situation, the bank management idea and strategy layout concept into the meaning of profit model, profit model is considered in the bank profit by different management idea and strategy under the guidance of channel and the corresponding business structure, and the business income structure of eight Banks are analyzed, combined with the bank profit model types, for eight bank profit model has carried on the classification.From2008to2012financial data as sample, using factor analysis method to profit model for the performance evaluation, the evaluation index system is established, the results of the analysis will be summed up in four index factor, risk management, create profit factors respectively, liquidity management, create profit factor, innovation factor and growth factor, the conclusion shows that the comprehensive ranking first for societe generale, then for China merchants bank, minsheng bank, Shanghai pudong development bank, everbright bank, ping an bank, citic bank and huaxia bank.Under the risk management, create profit factor, citic bank and Shanghai pudong development bank in the top two, huaxia bank peace bank ranked relatively backward.Under the liquidity management create profit factor, societe generale ranked first, reflected the strong ability of capital allocation, followed by ping an bank and Shanghai pudong development bank.Under the innovation ability factor, societe generale still ranks first, mainly reflected on the intermediary business innovation, followed by China merchants bank and everbright bank.Growth factor, minsheng bank ranked first, followed by societe generale and everbright bank.Adopted the method of normative analysis of the influence factors of national joint-stock listed Banks profit model, including five aspects, respectively, financial market structure, supervisory system, the innovation ability, governance structure and the supporting policies for small and medium-sized enterprises.Proposed for national joint-stock listed Banks to choose profit model, including the Internet financial model, mixed management model and the individual retail business model.Finally, combining the empirical analysis, puts forward some countermeasures to paradigm shift, including should perfect the financial regulatory system, should be to strengthen the construction of talent, improve staff professional skills, actively expand the intermediate business, developing Internet financial and emerging business such as online and mobile banking.To establish and perfect effective internal governance mechanism, strengthen risk management, the construction of a perfect risk management system, at the same time to make a profit model using incremental development train of thought transformation.