目前,随着利率环境的变化,银行的盈利方式和结构也产生了相应的改变。在传统环境下,其在获取利润时主要是通过利息来实现的,而当前则扩展到了非利息的层面,这主要与一些中间类型业务的开发有着直接关联。本文就详细探讨了这一问题,并对银行提高盈利水平给出了一些建议,具有一定的合理性。 At present, as the interest rate environment changes, the profitability and structure of banks have also changed accordingly. In the traditional environment, its profit is mainly achieved through interest, but now it extends to the non-interest level, which is directly related to the development of some middle-type businesses. This article explores this issue in detail, and gives some suggestions to improve the profitability of banks, with some reasonableness.