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新金融环境下地方性商业银行的转型发展为适应经济形势、金融环境、客户需求和信息技术发展的变化,地方性商业银行在盈利结构、业务结构、产品结构、区域结构等方面进行了积极探索和有益尝试。(一)提升非利息收入,走综合化经营道路。非利息收入是发达国家商业银行的重要收入,一般占银行总收入的20%以上,美国大型商业银行非利息收入占比高达80%~90%。长期以来,我国商业银行的收入主要来自存贷款利差,相对于大型银行,地
The Transformation and Development of Local Commercial Banks in the New Financial Environment In order to adapt to the changes in the economic situation, financial environment, customer needs and the development of information technology, local commercial banks have actively explored the profitability structure, business structure, product structure and regional structure And helpful try. (A) to enhance non-interest income, take a comprehensive management of the road. Non-interest income is an important income of commercial banks in developed countries, accounting for more than 20% of the bank’s total revenue. Non-interest income of large commercial banks in the United States accounts for 80% -90%. For a long time, China’s commercial banks mainly come from the deposit and loan interest income, compared with large banks, to