Study On The Transformation Of C Bank's Profit Model Under The Background Of Interset Rate Marketization

In July 2013,the People's Bank of China decided to liberalize the interest rate on loans from Chinese financial institutions in an all-round way.This marked a breakthrough in the reform of china's interest rate marketization.In August 2015,The people's Bank of China has liberalized the upper limit of deposit interest rates of Commercial Banks,and China's interest rate marketization reform has taken another important step forward.With the deepening of interest rate marketization reform in China,the transition is of great significance to the steady development of Chinese commercial banks.Therefore,this dissertation chooses C Bank as the research object,and the Enlightenment to the Development of China's Commercial Banks through the study of the Transformation of C Bank's profit Model.First of all,this dissertation introduces the research background and significance of interest rate marketization,analyzes the progress of interest rate marketization reform in China and the traditional business model of Chinese commercial banks,and points out the significance of this dissertation.At the same time,the influence of interest rate marketization on commercial banks and the literature review on the transformation of commercial banks are reviewed and evaluated.Secondly,it introduces three important concepts of interest rate marketization,commercial bank and profit model,and summarizes the relevant theoretical basis of interest rate marketization and profit mode transformation,which lays a foundation for the case study of C Bank after that.Thirdly,the core content of this dissertation starts from the basic situation of C Bank,introduces the basic situation of C Bank and the mode of profit transformation,and analyzes and evaluates the transformation of C Bank's profit mode.Finally,from the transformation of C Bank profit model,to provide suggestions for the development of Chinese commercial banks.This dissertation comprehensively analyzed the transformation mode of C Bank's profit model.The following revelations are drawn:China's commercial banks must speed up the transformation of the profit model.First of all,Chinese commercial banks should actively adjust the structure of loan business and promote the development of loan retail business.Secondly,commercial bank intermediary business should be more distant development.Thirdly,Chinese commercial banks should seize the opportunity brought by the Internet and develop the Internet financial business.Finally,commercial banks need to develop their own business by differentiation and characterization.This dissertation enriches the theory of profit model transformation of Chinese commercial banks under the background of interest rate marketization.It is of great significance to the development of Chinese commercial banks and the stability of Chinese financial market.