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自我国利率市场化改革以来,金融市场竞争激烈,存贷利差不断缩小,政府管制利率、银行坐享高利差收益的时代已不复存在,如何确保在利率市场化改革中保持利润的稳定增长是每个银行所面临的问题。本文通过对中国工商银行和宁波银行的数据进行比较分析,可以看出存贷利差仍是商业银行收入的主要来源,但是非利息收入占比正在逐年提高。这说明我国商业银行收入结构转型进入过渡时期,现阶段仍应以传统的净利差收入为主,合理提升非利息收入占比,为商业银行传统收入结构向多元化收入结构转型奠定殷实的基础。
Since the marketization reform of the interest rate of our country, the fierce competition in the financial market, the continuous narrowing of deposit and lending spreads, the era when the government controls the interest rate and the banks have enjoyed high interest-rate returns no longer exist, and how to ensure a stable profit in the marketization of interest rate reform Growth is a problem that every bank faces. By comparing the data of ICBC and Bank of Ningbo, we can see that the deposit-loan spread is still the main source of commercial bank income, but the proportion of non-interest income is increasing year by year. This shows that the transformation of the income structure of China’s commercial banks into a transitional period, the current stage should still be based on the traditional net interest income, a reasonable increase in non-interest income share of the commercial bank’s traditional income structure to diversify the income structure and lay a solid foundation.