The Profit Model Research Of T-City Rural Credit Cooperatives (RCC) On The Background Of Interest Rate Marketization

Interest rate marketization is one of the core reforms in China's financial sector.The basic liberalization of interest rate control is conducive to the market in the allocation of resources in the decisive role.However,the interest rate marketization in the development of financial institutions to bring opportunities at the same time inevitably raised the challenge,can be described as opportunities and challenges coexist in this challenge,the impact of small and medium-sized commercial banks suffered the most prominent.Therefore,it is necessary to study the profit model of small and medium-sized commercial banks in China under the marketization of interest rate.This paper takes T City Rural Credit Cooperatives as an example to analyze the impact of interest rate marketization on its profit model and the prominent problems arising from it,and put forward the transformation and development suggestions of profit model on the basis of deeply analyzing the causes of the problems.First of all,this paper summarizes the relevant research of experts and scholars at home and abroad,and sums up the basic profit model of commercial banks into three categories from the large aspect,namely: income-dominated,intermediate business income-led and investment business income type.Most scholars and experts agree that interest rate marketization has brought unprecedented opportunities for small and medium-sized commercial banks,such as increasing self-pricing,enhancing business innovation,optimizing their own operations and management mechanisms.However,there is no implicitly suggest that small and medium-sized commercial banks have brought great challenges to the marketization of interest rates,such as narrowing deposit and loan spreads,increasing interest rate risk and intensifying competition.Secondly,we choose the rural credit cooperatives of T city to study the sample,and on the basis of the basic situation and the current situation of the rural credit cooperatives in T city,the author points out the interest rate marketization from the three aspects of deposit,loan and profit respectively.The main business impact;from the source of funds,business single,pricing strategy and other aspects of T City Rural Credit Cooperative existing profit model of the main problems;from the risk structure,deposit and lending spreads and intermediate business three aspects of the interest rate market The Necessity and Suggestion on the Improvement of Profit Model of Rural Credit Cooperatives in T City.Thirdly,this paper mainly uses the questionnaire survey method and the quantitative analysis method to analyze the deep causes of the existing profit model of T City Rural Credit Cooperatives,and gives the concrete suggestions and implementation measures of the business model transformation.The research shows that the rural credit cooperatives in T city should choose the profit mode of "taking the traditional deposit and loan business as the leading and diversified business development".Should be based on the consolidation of traditional deposit and loan business,and actively develop the intermediary business,increase the innovation of products and services,build financial platform to explore the diversification of the same industry business,so as to truly benefit the development of T City Rural Credit Cooperatives The transformation of profit model.