Research On The Profit Model Of Newly Listed Commercial Banks

With the rapid development of China's economy,China's commercial banks have also been extremely rapid development.China's traditional business profit model is based on interest income.In the past,China's financial market is underdeveloped,lack of means of social financing,leading to commercial banks can rely on interest income as a major means of profit.However,with the decline of economic growth,the steady progress of interest rate marketization reform and the increase of social financing means,the growth of social credit scale slowed down and the interest income of commercial banks began to decline.At the same time,the scale of stock financing,the scale of bond financing and the continuous development of Internet finance,market competition intensified.In this context,the new listed commercial banks in order to maintain the sustained growth of earnings only profit model transition to be able to maintain the continued growth.of profits.The rapid development of new listed commercial banks is the rapid development of the past economy led to the rapid growth of the scale of social credit,as well as the level of interest rate market is not high,the lack of other means of social financing,but the current deepening of interest rate market,the domestic financial market maturity,The new listing of commercial banks for mixed operation,financial product innovation,system innovation,service concept change,speed up the development of Internet finance is the new listing of commercial banks to develop the objective requirements.In this paper,through the theoretical and empirical research,it is concluded that the new listed commercial banks will continue to maintain the profitability,and the transformation of the profit model must be carried out,which has theoretical contribution and practical significance to the transformation of the new listed commercial banks.Based on the theory of financial liberalization,this paper uses qualitative and quantitative analysis method to analyze the profit model of newly listed commercial banks.Mainly from the perspective of income that interest income and non-interest income and business perspective that the wholesale banking business and retail banking business.Revealing the problems of newly listed commercial banks,including heavy dependence on interest income,high non-performing loan ratio,unreasonable loan structure,and the reasons for the market interest rate,the financial impact of the Internet and financial disintermediation.This paper puts forward the countermeasures to solve the problems of the profit model of newly listed commercial banks.Through the study of the new listed commercial banks under the influence of interest rate marketization,financial dislocation and Internet finance,the profit model based on interest income is no longer.adaptable to their own development,the non-performing loan ratio rises,the loan structure is unreasonable and the profit Growth is declining.This paper argues that the new listed commercial banks should transform the profit model,increase the innovation of the financial business,change to the all-round bank,and make flexible operation in accordance with their own characteristics,and choose the transition mode which is suitable for their own profit model.