Profit model of commercial banks

The profit model of commercial banks is the profit model dominated by spreads. The main source of commercial banks' profits is interest. People's savings can usually bring sufficient funds to banks, and banks, as distributors of funds, generally adopt the form of separate operation and supervision, but this form of operation supervision will limit the richness of profit models to some extent.

Brief introduction of bank profit model

Banks will maintain the profit model based on spreads for a long time, but under the situation of interest rate marketization and international financing, the profit model of banks needs to be adjusted accordingly. Commercial banks need to seek greater profit growth points, change the traditional profit model and improve the intermediary business of banks. Commercial banks need to constantly broaden their profit channels and enhance their ability to resist economic risks. At the same time, banks also need to establish their own brand awareness, speed up the transformation, improve the financial structure of banks, enhance the ability to adjust interest rates, and promote the diversification of profit models.