利率市場化對中小上市銀行盈利模式的影響研究.pdf

1、 Abstract Abstract At the moment, China's economic development has been reached a new stage of the economy, our economic structure is adjusting deeply, and our economy is slowing down. Under this context, the ending

2、of market-oriented reforms of interest rate is driving, which makes the traditional profit models in our small and medium-sized listed banks based on interest margins facing huge challenges and the future competition in

3、China's banking industry will be more intense. Compared to large state-owned banks, small and medium-sized listed banks have small capital, rely more on interest margins and face more highlighted risks and opportunit

4、ies. Therefore, in the context of the gradual improvement of interest rate liberalization, it is very important for small and medium-sized listed banks to seek the transformation of profit model to ensure stable income a

5、nd achieve sustainable and healthy development. This paper carries out the in-depth analysis of the status quo and problems of profitability model of the small and medium-sized banks in China under the interest rate mark

6、et by using a variety of analytic tools. The status quos are concretely expressed as: the proportion of net interest income of China's small and medium-sized listed banks is high; the proportion of the middle busines

7、s is low although it shows a growth trend; interest income relies more on the deposit and loan business; intermediate businesses are underdeveloped, still based on traditional business.The problems are mainly reflected

8、that the traditional businesses are affected; the rising of non-performing loan rate increases the credit risk; the homogeneity of intermediate business is serious; thus blindly expanding for income. At the same time, it

9、 summarizes the positive and negative effects of interest rate liberalization on small and medium-sized listed banks. Positive effects are reflected in promoting its fair competition, optimizing the business structure, i