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随着我国经济发展,传统的商业银行盈利模式显示出一些不足,为了适应当下快速发展的利率市场,需要我国商业银行盈利模式做出必要的转型。本文从分析当前我国商业银行盈利模式及其存在问题出发,说明商业银行盈利模式转型的必要性,进一步给出我国商业银行盈利模式转型的建议,以作为银行业相关人员的参考。
With the economic development of our country, the profit model of the traditional commercial banks shows some deficiencies. In order to adapt to the rapidly developing interest rate market nowadays, we need the profit model of commercial banks in our country to make the necessary transformation. This article analyzes the current profit model of commercial banks in our country and its existing problems, illustrates the necessity of the commercial banks’ profit model transformation, and further gives suggestions on the transformation of the profit model of commercial banks in our country as a reference for relevant personnel in the banking industry.