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“新常态”的到来深刻改变了银行业的宏微观环境,对以利差为主导的盈利模式提出了挑战。本文通过梳理国内外学者们关于“新常态”及商业银行盈利模式的研究,为“新常态”下商业银行盈利模式的转型研究提供理论支持。
The advent of the “new normal” has profoundly changed the macro-micro environment of the banking industry and posed a challenge to profit-oriented profit-taking model. By combing the domestic and foreign scholars ’research on the “new normal” and the profit model of commercial banks, this paper provides theoretical support for the research on the transformation of commercial banks’ profit model in the “new normal”.