Research On The Profit Model Transformation Of My Country's Commercial Banks Under The Background Of Internet Finance

Judging from the current mainstream profit model of domestic commercial banks,the spread-led model still occupies the “most of the rivers and mountains”.Most commercial banks still rely too much on net interest income for profit models,while non-interest income growth represented by intermediate business income has already grown.Too slow,in the face of the rapid development of Internet finance,coupled with the continuous deepening of financial disintermediation and the continuous advancement of interest rate marketization,the profit scale and profit growth rate of China's commercial banks at this stage are bound to be greatly impacted,especially those Smaller city commercial banks will make the development environment they face more difficult.Because the customers of many city commercial banks are mainly local residents and Small and micro enterprises,their overall strength is not very strong,and they are far from large commercial banks.It is difficult to compete with them,especially with the Internet.With the continuous development of technology,most of the online platforms are constantly developing new financial products,seizing the customer groups that many commercial banks have previously owned.In the face of the new situation,the profitability of commercial banks has been hit hard.The traditional spread income has shown a downward trend,and it is urgent to adjust and optimize the profit model.If a city commercial bank wants to occupy a competitive advantage and achieve better development,it needs to constantly innovate itself,make reasonable adjustments to the profit structure,and establish a new profit model.Although the development speed of JL Bank as a city commercial bank in recent years has been outstanding in the region,it still cannot escape the impact of the rapid development of Internet finance.This article takes JL Bank as an example to study the transformation of my country's commercial banks' profit model under the background of Internet finance.First,the definition and characteristics of Internet finance,the connotation and types of commercial bank profit models,and related theories are mainly explained.Then,represented by 16 domestic commercial banks,the three aspects of asset and liability structure,operating income status and intermediate business income status are analyzed.The current situation of China's commercial banks' profit model is analyzed,and the impact of Internet finance on China's commercial banks' profit model is described.Next,we will conduct a case study on JL Bank.Through analysis of JL Bank's overall operating environment,financial status and profit model,we will find out the shortcomings of JL Bank's current profit model and its impact on Internet finance.To be discussed.Subsequently,on this basis,the transformation goals,directions and ideas of JL Bank's profit model were determined,and transformation plans for JL Bank in terms of banking business,business model and management system were formulated and corresponding transformation guaranteemeasures were proposed.Finally,the overall content of the paper is summarized,and the development direction of Internet finance and commercial banks is prospected.