我国商业银行盈利模式的现状、影响因素及发展建议（The current situation, influencing factors and suggestions for the development of commercial banks profit model in China）.docVIP

我国商业银行盈利模式的现状、影响因素及发展建议（The current situation, influencing factors and suggestions for the development of commercial banks profit model in China） The current situation, influencing factors and suggestions for the development of commercial banks profit model in China Abstract: with the gradual opening of the financial market, commercial banks, the traditional profit model has not been able to meet the needs of development under the new situation, how innovative profit model has become an important issue faced by commercial banks. This paper argues that the current profit model of Chinas commercial banks have a single profit model, business varieties less, the use of funds structure is not reasonable, and the influence factors of commercial bank profit model mainly in the interest rate market, customer demand for financial diversification, financial support and media phenomenon of drama, and put forward related suggestions. Key words: profit model, interest rate marketization, financial intermediary business In 2011, Chinas commercial banks achieved a total profit of 10412 yuan, an increase of 277 billion 500 million yuan over 2010, an increase of 36.3%. In the realization of the rapid growth of profit at the same time, commercial banks are also facing increasingly fierce competition in the financial market, how to solve the problem of constructing the profit pattern of commercial banks in the new market environment, realize the sustainable development, has become an important work of Chinas commercial banks to actively explore and practice. First, the problems of the profit model of commercial banks in China The profit model of commercial banks refers to the financial revenue and expenditure structure of commercial banks under certain economic environment based on assets and liabilities structure. The commercial bank profit model mainly spreads dominant and non dominant spreads in two modes, the former is based on the traditional asset liability business as the basis