Analysis On The Profit Model Of China Construction Bank Under The Background Of Internet Finance

Banks play an important role in the social and economic development of our country.Relying on the advantages of policy protection,our commercial banks have always been in the competitive advantage position in the past development.Since commercial banks have a unique position in the financial system of our country for a long time,government policy protectionism is obvious,the level of marketization is much lower than that of Internet financial enterprises,so the market reaction ability is naturally much worse.As a result,the profitability of the bank constituted a huge impact.Therefore,in the face of the enormous impact of Internet finance,commercial banks must extricate themselves from the traditional profit model,seek the transformation of the profit model and seek new profits.Growth point,so as to better enhance their own competitiveness.Based on this,this paper takes China Construction Bank as the research object,thus under the Internet finance background,the China Construction Bank profit pattern transformation development has carried on the research.In this paper,the research background,significance and the current situation of domestic and foreign research are analyzed briefly.At the same time,the basic connotation of Internet finance and the basic profit model of commercial banks are analyzed.Then,from the financial statements of CCB in recent years,this paper analyzes the impact of Internet finance on CCB's profitability.Then it analyzes the disadvantage and the development motivation of the traditional profit mode of the domestic banks,and at the same time,analyzes the development of the non-interest difference business of the banks in our country at the same time.The situation is analyzed.Finally,the paper puts forward the corresponding countermeasures for the transformation and development of the profit model of China Construction Bank.From the final analysis results,China Construction Bank received the impact of Internet finance,resulting in a decline in the profitability of banks,especially the intermediary business has been greatly affected.However,the problems facing China Construction Bank in its development are still very prominent,such as the lack of profit growth,the low competitiveness of investment and financial products,the prominent problem of vicious competition,and the poor ability of product innovation.Therefore,China Construction Bank must further speed up the transformation of its profit model,promote business transformation,strengthen cooperation with Internet financial enterprises,and enhance its talent training,so as to find out A new source of profit.