Development Problems of Commercial Bank’s Management Pattern in Nowadays and Countermeasures Analysis

Abstract

Since the 18th CPC National Congress, financial reform of our country has entered the fast lane, the competition of commercial banks transit from blue sea to red sea, especially the emergence of the Internet finance, causes huge competitive pressure on the current commercial banks. Only if commercial banks innovate on business model can they cope with today's competitive market environment. This paper mainly focus on the current status quo and problems of commercial banks' business model, and analyzes the operation mode that commercial banks can choose, and then proposes improved countermeasures to perfect the commercial bank management pattern in the new period.