Research On The Profit Model Of J Rural Commercial Bank Under High Quality Development

Under the background of interest rate marketization,the rise of Internet Finance and strict financial supervision,the traditional commercial bank's profit model,which relies on interest margin to obtain income,is facing great challenges.The defects of the profit model will eventually lead to the commercial bank's continuous disadvantage in the market competition.Therefore,the traditional commercial bank must accelerate the transformation of the profit model and improve its profitability and operating performance,Enhance the market competitiveness and the ability to serve the real economy,and realize the high-quality development of commercial banks.As an important part of China's banking system,rural commercial banks play an important role in the development of economic transformation.As the first A-share listed commercial bank,J rural commercial banks are representative through the research and analysis of its profit model status and transformation,and it is important for rural commercial banks in the whole banking industry to optimize the profit model and achieve high-quality development Make sense.Taking J rural commercial bank as an example,this paper studies and analyzes the current situation of its profit model under the background of high-quality development,aiming to analyze the existing problems and reasons of J rural commercial bank in the profit model,and then put forward optimization suggestions for its existing problems.First of all,it analyzes the background and significance of the research on the transformation of commercial banks' profit model under the background of high-quality development.On this basis,it reviews the relevant research at home and abroad,and expounds the relevant basic theories of high-quality development,profit model and profit model transformation.Next,the paper analyzes the case of J rural commercial bank,studies and analyzes its overall development,business environment and profit model by PEST analysis and financial analysis,and develops the profit model of J Rural Commercial Bank: J rural commercial bank's profit margin income is still the main source of revenue,but has gradually begun to pay attention to the impact of non interest income on profitability.However,there are still many problems in J rural commercial profit model.Based on the in-depth analysis of the causes of the problems,this paper puts forward relevant suggestions for the bank's profit model transformation in terms of serving the real economy,business structure,market segmentation,cooperation and competition,talent training,etc.,starting from the requirements of high-quality development.Finally,the paper summarizes the whole paper,expounds the shortcomings in the research process,and looks forward to the future research.