目前,商业银行在经济“三期叠加”的外部形势下,面临着支付变革、融资脱媒和“三率叠加”(利率、汇率市场化和不良率持续上升)带来的前所未有的压力,这是西方商业银行在利率市场化过程中不曾经历的全面挑战。在此背景下,如何正确看待银行业特别是国有大行的盈利增长,平衡好利润和风险、当期和长远,对于金融业 At present, under the external situation of economy “three superpositions ”, commercial banks are facing unprecedented changes brought by payment reform, financing disintermediation and “three-rate superposition” (interest rates, exchange rate liberalization and non-performing loans rising continuously) Pressure, which is the comprehensive challenge Western commercial banks have not experienced during the process of interest rate liberalization. Against this background, how to correctly view the profit growth of the banking sector, especially the state-owned banks, balance the profits and risks, both current and long-term,