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随着金融市场化改革的深入,商业银行作为我国金融体系中最大体量的组成部分,也面临着改变盈利模式的需要,利率市场化使传统的利差为主的盈利模式不再可行,商业银行急需寻找新的盈利增长点缓解其庞大资金规模带来的财务成本压力。本文借鉴国外的商业银行发展规律,认为商业银行必将转型成为以中间业务、表外业务为主的多元化盈利模式转型。
With the deepening of the financial market reform, as part of the largest volume of China’s financial system, commercial banks are also faced with the need of changing the profit-making model. The profit-oriented marketization model that makes the traditional spread-based profitability is no longer viable. Commercial banks Banks are in urgent need of finding new profit growth points to ease the financial cost pressure brought by their large capitalization. This article draws lessons from the foreign law of the development of commercial banks, that commercial banks will transform into a diversified profit model based on the middle business, off-balance sheet business transformation.