Research On Income Structure Transformation Of China Merchants Bank

Throughout the development process of commercial banks in western developed countries,their operating methods are increasingly flexible,The rapid increase in the proportion of non-traditional business revenue makes it an extremely important part of its income structure.A diversified income structure has been gradually formed,and comprehensive competitiveness has been improved.Policies have a great impact on the operation and management of China's commercial banks.Benefit from long-term interest rate control,commercial banks have a high income from traditional interest business and interest revenue dominates the single,unbalanced income structure that brings to the great burden on the its own capital management and risk control.With the interest rate market reform,the adjustment of financial supervision policies and the further opening up of financial markets,the commercial banks' living space has been squeezed from both inside and outside and the narrowing interest rate gap has made the profit space of traditional interest business squeezed.In order to take a place in the market and enhance competitiveness,China's commercial banks are learning from commercial banks in developed countries and regions and gradually change their business strategies and carry out income structure transformation.China Merchants Bank has made great efforts to develop non-interest business with its development strategy and unique competitive advantage to adapt to the market environment,which has achieved remarkable results.In 2014,non-interest income accounted for the largest proportion of China's commercial banks.In recent years,The proportion is maintained at more than 30% and it has kept growing.This article first elaborates the concepts and theories related to the bank's income structure of commercial banks,combines the economic and financial environment,and analyzes the motivations of China Merchants Bank for actively transforming its income structure,and adopts the 2005-2016 annual reportdata to analyze the status quo of its income structure transformation.Detailed analysis,analysis of the status quo and problems of its current income structure transformation,through empirical methods,examine the influencing factors of China Merchants Bank's income structure transformation,and put forward countermeasures and suggestions based on the above analysis.Through analysis,it is known that the non-interest business development of China Merchants Bank's income structure is uneven and the development speed is slow.The net interest rate of return,asset size,and equity return rate are significantly correlated with their income structure transformation.With other factors unchanged,with the expansion of asset size,lower net profit margin,China Merchants Bank ' s income structure has become more reasonable.With the deepening of the opening up of the banking industry and the changing operating environment,it is necessary to deepen the transformation of the income structure.China Merchants Bank vigorously develops non-interest business,optimizes the non-interest business structure,improves the operating management system,and enhances the level of financial technology.,improve the personnel training mechanism,etc.,to promote the transformation of income structure.