Economics paper写作--商业银行传统业务的转型

摆渡论文网（www.baydue.com）-专业留学生作业辅导中心Economics paper写作-商业银行传统业务的转型随着我国利率市场化改革的完成，资本市场不断扩大，外资银行不断涌入，金融市场发生了各种变化。商业银行面临着日益激烈的市场竞争。尽管我国商业银行在制度改革方面取得了显著进展，但传统的商业模式仍然是银行的主体，已经越来越不适应当前的市场环境。新的市场环境对旧的经营方式提出了新的要求。With the completion of China's interest rate liberalization reform, the capital market has been expanding, foreign Banks have been pouring in, and the financial market has undergone various changes. Commercial Banks are facing increasingly fierce market competition. Although China's commercial Banks have made remarkable progress in institutional reform, the traditional business model, which is still the main body of Banks, has become increasingly unsuitable for the current market environment. The new market environment puts forward new requirements for the old way of operation.With the deepening of financial globalization, the international banking industry has become a strong rival to domestic Banks through the rapid expansion of its business. International Banks have obvious advantages in business models and innovative services, while domestic commercial Banks, which still focus on traditional businesses, are losing their competitive advantages step by step.At the same time, interest rate liberalization has led to the continuous reduction of interest margin income of commercial Banks, and the emergence and prosperity of financial disintermediation and Internet finance have caused a huge impact on the traditional credit business. Based on the traditional profit model of deposit and loan spread, the profit growth of China's commercial Banks can only be realized by expanding scale, while blind expansion leads to unreasonable capital structure and restricts the development of Banks. Although the traditional business model determines the single profit model of China's commercial Banks, it also means that China's commercial Banks have a lot of room for development in business transformation, innovation and change of profit model.Interest rate liberalization will change the whole market environment faced by commercial Banks, and the changing market environment will bring huge challenges to the operation of commercial Banks. As far as most countries and regions are concerned, interest rate liberalization will lead to a sharp reduction of deposit and loan spreads, weaken the profitability of commercial Banks based on traditional business models, and cause a sharp decline in bank profits, thus causing a huge impact on Banks. My country is no exception to this.The irregular fluctuation of interest rate leads to the irregular fluctuation of income, which to some extent increases the difficulty of liquidity risk management for commercial Banks. Interest rate risk requires Banks to be more sensitive to and more accurate in predicting interest rate fluctuations."Disintermediation" means "taking off the intermediary", and "financial disintermediation" means the "disintermediation" of capital financing, namely direct financing. With the gradual relaxation of economic marketization and financial supervision, financial disintermediation is an inevitable global trend of market development.In recent years, with the rapid development of the direct financing market, the phenomenon of financial disintermediation in China has spread. The role of Banks as primary financial intermediaries is declining, and this trend will become more pronounced in the near future. At the same time, financial disintermediation leads to the loss of bank deposit and loan customers, forcing Banks to actively raise deposit interest rate and lower loan interest rate to attract customers, which increases the operating cost of Banks and reduces the spread income.The emerging Internet finance, with a new business model, impacts and changes the traditional business mode of commercial Banks. First, it pushed bank payments to the margins. Take the third-party payment platforms such as alipay as an example, the payment and settlement functions of commercial Banks are almost completely abandoned by the market. Secondly, the demand interest rate of Internet finance attracts most individuals. In a short period, funds flow to Internet finance in a large scale, and demand deposits in Banks decrease abruptly, which also promotes the interest rate marketization in China to a certain extent. Finally, although the current lending behavior of Internet finance is mainly composed of personal consumer credit, with its own development, the customers it has in the future will be cross-covered with those of the traditional banking industry.As far as enterprises are concerned, their business scope is expanding, cross-border enterprises are constantly emerging, funds are being used more and more frequently, and staff benefits are being paid more and more attention. Therefore, Banks are required to provide corresponding cash management services and enterprise pension services. On the individual side, income levels are rising, personal asse