The Influence Of Interest Rate Marketization Of State-owned Commercial Banks Profit Model Is Studied

As the core of the reform of the financial sector,China’s interest rate market has gone through ten years.With the people’s Bank in October 24,2015 decided to cut the benchmark deposit and lending interest rate announcement,also explicitly cancel the commercial bank deposit rates,interest rate marketization of our country and achieve progress,the financial industry officially entered the era after the interest rate market.It is self-evident position and role of the state-owned commercial banks in the financial system,and the interest rate market will undoubtedly become a major factor affecting the profit pattern of state-owned commercial banks difficult to continue.How to find the profit model to adapt to the future development of the state-owned commercial banks is an important issue of practical significance.Firstly,this paper analyzes the impact of interest rate marketization on the profit model of state owned commercial banks in the process of marketization of interest rates and the current situation and relationship of profit models of state-owned commercial banks.Analysis of the influence of the profit model of interest rate marketization and other unfavorable factors from the state-owned commercial banks,the necessity and feasibility of the state-owned commercial banks to carry out profit model transformation;secondly,comprehensive domestic and foreign related theory and practice,combined with the current internal and external environment,the research on the transformation strategy of the state-owned commercial bank profit model of interest rate marketization situation the selection and implementation of measures,to achieve sustained and stable development of state-owned commercial banks;finally,this paper selects the different countries,different periods,different types of bank profitability and structure to better grasp the interest rate market deep influence to the long-term profitability model of state-owned commercial banks,and put forward corresponding suggestions.This paper argues that the impact of interest rate marketization on the state-owned commercial banks is huge,especially in the profit model which is mainly based on the spread.State owned commercial banks are difficult to turn around the ship,but also to improve the sense of urgency,and effectively change the original extensive business model and a single profit model.In addition,state-owned commercial banks should take the new norm,financial disintermediation,financial supervision,the impact of the Internet,the interest rate market and other factors,make the development and quality,transformation and innovation,profitability and risk balance of profit and business model,continue tostrengthen the status of financial system,to play its due role in the economic and financial stability recovery.