Analysis Of Transforming The Profit Pattern Of Urban Commercial Banks Against The Interest Rate Liberalization

In the market-oriented reform of interest rates continued to deepen in the background, city commercial banks how to change the profit model, to ensure that occupy a favorable position in the future more intense competition in the market. In this paper, C hina's commercial banks in particular group- City Commercial Banks for the study.Fully liberalized interest rate control will bring no small impact on C hina's commercial banks, city commercial banks in particular, the impact is more obvious. The face of market competition, encourage commercial banks to attract high-quality loan customers, forced to lower their lending rates, as well as to attract deposits, was forced to lift its interest rates on deposits, resulting in significant reduction in the difference between deposit and lending rates, leading to commercial bank deposits a significant reduction in lending interest income. Especially for the deposit and lending interest income impact of city commercial banks accounted for up to about 80% of the more obvious. C hina's urban commercial banks short history, but also subject to local economic development and local government policy interventions more serious cause its corporate governance structure is not perfect, and so on. These factors result in a lack of innovation capacity of city commercial banks, intermediary business underdeveloped, heavily dependent on interest income interest interests and so on. In this paper, XX Bank study empirical analysis, some conclusions are obtained through data collection, comparison and analysis of the way. On the basis of a stable traditional deposit and lending interest income on city commercial banks and the urgent need to develop intermediate business innovation. In traditional business, city commercial banks should be based on local small and medium business characteristics, to provide personalized services to their business needs. In the development of intermediary business, city commercial banks should continue to develop the traditional settlement class, proxy class, bank cards and other services, develop investment banking, electronic banking and other innovative services, and strive to improve the intermediate business income in the city commercial banks total income proportion. In addition the city commercial banks should also establish, improve and perfect the interest rate risk management system, improve product pricing and bargaining power, and enhance market competitiveness. So that future interest rate market interest rates fluctuate more frequently, greatly increased the interest rate risk, it will seriously affect the daily operations of those interest rate risk management and pricing capability is not strong, lack of bargaining power of city commercial banks. Faced with C hina's market-oriented reform of interest rates also continues to deepen, city commercial banks only aware of their lack of profit model, while positive change, improve competitiveness, and strive to narrow the gap between the medium-sized joint-stock banks in order in an increasingly competitive banking market firm footing.