Study On The Profit Model Transformation Of Commercial Banks Under The New Normal Economy

New normal economy is a major strategic judgment,which is got by chairman Xi who analyzed domestic and international economic development situation,accurately grasped chinese basic national conditions and the characteristics of chinese economic development stage in the 18 th congress.Under the new normal economy situation,from the macro view to see,economic growth is on the decline,economic structure is upgrading;from the financial market view to see,marketization of interest rate enters new stage,chinese interest rate control is opening;from the industry view to see,the competition of commercial banks will be more intense.Under the new normal economy situation,commercial banks face different business environment,this new environment affects commercial banks spread income based profit model.Under the background of “new normal”,it has a great significance to explore and study the profit model transformation of commercial banks in real time.In order to survive and develop,commercial banks must transfer profit pattern.This paper introduces theories of profit model transformation about commercial banks.Then paper analyzes the conduction mechanism of the new normal economy to commercial bank’s profit.Then it uses listed banks as an example to analyze the specific business situation of commercial banks.In the end,the business of commercial banks illustrates the strategy choice of the profit model transformation of the commercial banks.Different types of commercial banks have different situations.It is necessary to develop a transformation based on their own characteristics,so as to seize the opportunity which from new normal economy.This paper combines the profit transformation of commercial banks under the new normal economy with the different business types of commercial banks.Have both theoretical basis and specific case of commercial banks.This paper has pertinence and practical significance.