| With the continuous deepening of China’s financial system reform,interest rate marketization reform has been basically completed in recent years.In this reform,the most affected is multitudinous commercial banks in China.The net interest income generated by the traditional loan spreads is faced with a decline in growth.The profit space of commercial banks narrowed.It seems imminent to change its profit model at this time.This paper makes a descriptive analysis of the reform process of interest rate marketization in the United States,Japan and other countries,and deep inquiry into the influence of the profit model of the commercial bank by the reform of the interest rate marketization,excavating its valuable experience for financial reform and other fields in the process of financial liberalization,review the changes in the reform process of interest rate marketization in China’s commercial banks.Through empirical analysis of the data of 16 A share listed banks in China,we find out the changing trend and existing problems of China’s commercial banks’ profit models,and put forward relevant policy recommendations.The specific conclusions of this article are as follows: The commercial banks in China should develop a diversified and individualized management model,Develop financial innovation,creating new financial service products,adjust debt structure,increase the proportion of middle business income,improve the profit structure,adjust the profit model.And the management risks are controlled by strengthening external supervision,improving the internal control system and introducing advanced risk management methods,in order to make up the negative impact of the interest rate marketization reform. |
