A Study On The Profit Model Transformation Of Chinese Listed Commercial Banks Under Capital Constraints

With the great changes in domestic and international financial regulatory system,more and more impact on the business activities of banking in our country,sustainable development for the future of C hina's banking industry has a direct impact.The outbreak of the financial crisis makes banking regulatory system exposed more and more disadvantages of the original,the structure of the global economy and financial system has entered a period of adjustment,the Basel committee summarizes relevant experience a nd lessons,launched ? the Basel agreement,this agreement,modifying and restructuring of regulatory measures,gradually influence the commercial bank's business model.In this context,C hina to strengthen capital constraint mechanism,standard operation of the banking industry,introduced the measures for capital and puts forward more strict on commercial Banks' capital constraint,formed a new framework,the C hina banking regulatory marked the our country banking industry will enter a more strict capital constraint.Long-term since,our country commercial bank are the profit model of interest income as the leading factor,the single income structure is not conducive to the long-term development of China's commercial Banks.In order to cope with the increasingly strengthening the challenge of capital constraint,commercial Banks must carry on the transformation and upgrading the existing profit model,gradually increase the proportion of the intermediary business revenue,make its profit model take up less money,and then improve the level of bank capital adequacy ratio,low capital consumption model of development.This article adopts the method of combining theory and empirical analysis of capital constraint to the influence of China's listed commercial Ba nks profit model.First introduced the selected topic background and research significance of this article,the related literature at home and abroad were reviewed,and make a brief review.Then theoretically in this paper,the capital constraints theory a nd the theory of profit model in the traditional profit model and traditional profit model two aspects to the current situation of the listed commercial Banks of our country is analyzed,explore its main problems,in an increasingly strict capital constraint conditions,these problems will be growing,therefore,the listed commercial Banks profit model transformation is imperative.Based on the five big state-owned commercial Banks,eight joint stock commercial Banks and three city commercial bank as the ob ject of samples,the empirical analysis,and based on the analysis of the results,it is concluded that the strengthening of capital constraint is a role for commercial bank profit model transformation.And related Suggestions are put forward,i.e.develop capital less footprint,low level of business risk,different sizes of commercial Banks should be in different focus,pay attention to the enterprise business management system.