Research On The Optimization Of Profit Pattern Of City Commercial Banks

The profit model is the comprehensive reflection of the external institutional environment and the internal operating conditions of the city commercial banks in terms of the structure of the income and expenditure.It is also the prerequisite for determining its profitability,value creation ability and market competitiveness.In fact,by the policy,market,customers and so on The impact of complex factors,China's urban commercial banking profit model research has become the focus of society,most of the current research in the qualitative analysis of the level.Therefore,the use of quantitative data for comparative analysis,which proposed the city commercial banks to optimize the design and protection measures are of great significance.On the basis of reviewing the previous studies,this paper first introduces the current situation of China's urban commercial banks,the characteristics and influencing factors of profit models,and analyzes the advantages and disadvantages of urban commercial banks and other banks based on this model.Then,it analyzes the present situation of the profit model of H Bank in Gansu Province,and studies from the aspects of the profitability model of H Bank,the shortcomings of the existence of profitability and the causes of profit model.Finally,the profit model of H bank is taken as the research object,and the profit model of other commercial banks and commercial banks in China is compared and analyzed,and the optimization scheme of H bank profit model is completed.Based on the annual financial data of China's four city commercial banks(including Bank of Beijing,Bank of Ningbo,Bank of Nanjing and H Bank)from 2005 to 2015,this paper uses Matlab analysis software to carry out a comprehensive comparative analysis of the profit model of commercial banks.First,the main factors influencing the profit model of the city commercial banks are the bank scale,the bank capital strength,the bank asset quality,the bank profit structure,the bank operating efficiency,the bank liquidity and the external environment(economic activity,Legal system,etc.),only to achieve these factors comprehensive and effective development,in order to make the profit model has been optimized.Second,take the initiative to adapt and grasp the market economy of the macroeconomic environment,the operating environment and competitive landscape,identify the market positioning,a clear shift direction;rational allocation of resources to improve the asset structure;rich intermediary business,broaden the income source;Bank fine management,improve the independent pricing management system;strengthen the construction of interest rate risk management structure and process,cultivate excellent management personnel.Third,compared with the traditional deposit and loan business,to carry out the intermediary business as the representative of the non-interest business to enhance the operating profit more effective,and this trend is gradually intensified,which is for us to promote the city commercial bank profit model by The traditional credit business to the credit business and intermediary business coordinated development of diversified business model transformation provides data support,so as to adjust the business focus in time to provide a certain basis for guidance.