Study On The Profit Model Transformation Of China's Commercial Banks Under The Internet Model

With the development of the economy and the state of financial supervision norms, coupled with foreign banks have entered the Chinese market, our banking system in the original competition situation is broken, the domestic banks face more intense competition.Especially for small and medium sized city firms, making it in a more unfavorable development environment. Many city commercial banks due to the main customers are small and medium-sized enterprises and the local residents, the comprehensive strength is insufficient, it is difficult to compete with large banks, especially in the Internet model, a lot of network platform also actively explore financial products, attracted a large number of commercial banks, the original customers. Under the new situation, the profitability of commercial banks has been hit, the traditional spread income is facing a lower pressure, the urgent need to optimize the profit model to adapt to changes in the internal and external environment. In order to survive and develop, city commercial banks have to re sort themselves, optimize the profit structure, and build a new profit model. In this paper, Qilu bank, for example, research in the Internet model, how to actively respond to commercial banks, through the profit model to achieve sustained and healthy development. In the analysis of the transformation of commercial bank profit model of Internet mode under the background and significance on the basis of review of domestic and international research status, the research methods and innovation, a brief introduction of the theory, and with the help of questionnaire, research and analysis of the status quo of Qilu bank profit model under the background of Internet and the existing problems, research profit model of advanced banks at home and abroad successful development experience, established the overall development ideas, goals and direction of transformation of Qilu bank profit model, formulated in line with the future development of Qilu bank's profit model transformation scheme, and the transformation effect after analysis, puts forward the corresponding security measures, then summarizes the whole paper, paper the lack of research, the prospect for future research.