Researchon The Trans For Mation Of Profit Mode Lof China's Commercial Banks Under The New Capital Supervision Framework

Basel Banking Regulatory Commission in November 2010 through the strengthening of the banking sector capital requirements and liquidity regulatory standards reform act-Basel agreement". Later, the China Banking Regulatory Commission launched the Chinese version of "Basel ?"-" commercial bank capital management approach (Trial)" and implemented in January 1,2013, constitute a new framework for China's banking industry in the next period of time. Chinese version of the "Basel ?" capital regulatory standards more stringent, China's commercial banks are facing stronger capital regulatory constraints.This paper first analyzes the impact of capital regulation on commercial banks' profit model, secondly, the paper analyzes the requirements of the new capital regulatory framework of Basel accord and the Chinese version of "Basel agreement" in the banking capital supervision. In order to find out the impact of capital regulation on commercial banks' profit model and the path of commercial banks' transition, this paper studies the differences in the performance of the commercial banks in the developed economies and emerging economies. Analysis of domestic commercial banks to find out the current situation of China's commercial banks'profit model and the impact of the new capital supervision mode. This paper is based on the non balance panel data of 150 kinds of commercial banks, commercial banks, city commercial banks and rural commercial banks in China, and empirically analyzes the impact of capital regulation on the profit model of China's commercial banks and the impact of the changes of the profit model on the commercial bank performance in China. The research finds that the profit mode of domestic commercial banks is the main, and the non interest income of commercial banks in China is lower than that of commercial banks in China, which is more obvious, and the change of net fee and commission income is beneficial to improve the commercial banks' capital adequacy ratio, and the non interest income of commercial banks is relatively high.According to the analysis of this paper, we propose a new model of business management:commercial banks should strengthen the differentiation of large commercial banks, small and medium commercial banks should strengthen the differentiation market, develop non interest income business, develop new profit growth point, improve the quality of business, improve the quality of business, and increase the risk management. Secondly, the government supervision of the change:in business regulation, the relevant regulatory authorities, should actively promote commercial banks mixed operation, separated supervision in the legal support; in a line three will be based on the regulatory framework, the establishment of a large financial regulatory framework, better play the role of financial supervision, comprehensive coordination and macro Prudential supervision.