关于我国商业银行经营转型的几个认识问题

经营转型问题是我国商业银行在完善公司治理改革之后面临的又一项重要课题。无论是发达国家还是转轨国家。其商业银行转型的基本经验表明，转型的路径与本国经济结构和金融环境密切相关，转型的快慢受到具体国情的重要影响。我国商业银行的经营转型不能急于求成，既不能跨越中国发展的现实，也不能落后于不断发展变化的经济金融环境。在一段相当长的时期内，存贷利差还是我国商业银行重要的盈利支柱，但转型成功的关键取决于个人金融业务及资金交易类业务的发展状况。对此，我国的商业银行转型必须制定明确的业务发展战略和区域发展战略。

Some Issues of Understanding Regarding Operational Transformation in Our Commercial Banks

Operational transformation is another important task faced by commercial banks after shoring up corporate governance. Experience from commercial banks in both developed countries and countries undergoing transformation indicates that the transformational path is closely related with local economic structure and financial environment, while the tempo is determined by the national conditions of the specific country. Therefore, our commercial banks should neither act too hastily, nor overlook the reality of development in China nor lag behind the ever-ehanging economic and financial environment. Over a considerable long period of time, the spread will continue to be the profit pillar for commercial banks in our country. However, the key to a successful transformation lies in the future development of personal banking business and capital trading business. So it is imperative for our commercial banks to outline explicit business and regional development strategies.