Study On The Profit Model Of Large Commercial Banks

With market-oriented Interest rate, changes in the financial disintermediation and Internet financial,commercial banks are gradually weakening role in the financial intermediary,its core business is facing a huge impact. It is difficult to meet the demand of sustainable development in the profit model which is based on the deposit and loan Interest rate, how to obtain commercial bank to survive and develop in adversity is the focal of financial world,has important practical significance.Based on the connotation of the commercial bank profit model as the breakthrough point,in combination with China’s large commercial banks profit structure characteristics, analysis on development present situation of the profit is narrow and the cause of the growth is slowing. This paper from market-oriented Interest rate、financial disintermediation、Internet products three dimensions analysis commercial banks’ profit model of the pressure and challenges,to clarify the necessity of innovation profit model. Case analysis part, the Bank of China, profit model as the research sample, comparing the Wells Fargo Bank profit model, on the basis of learning and reference,to explore new profit model with Chinese characteristics.New profit model centered on two aspects: First is the transformation strategy of traditional profit model, accelerate the extensive management mode to intensive business model, efforts to achieve delicacy management;To customer demand as the center,innovative products and ideas. Second is strategic plan advice with new profit model, promote the integration of financial business and Internet technology penetration, perfect the financial Internet channel construction, deepen the cooperation with e-commerce platform and third-party payment institutions; From financial licenses to deepen interdisciplinary cooperation opportunities, change the separate competition pattern,innovate universal commercial bank group strategic pattern. This paper studies suggest that in the profit model of transition, suggestions for advancing structure optimization, strengthen enterprise internal motivation, completes the coordinated development of financial policies and internal management transformation, to ensure that the stakeholders in the game to achieve a win-win situation.