银行盈利高增长下的蜕变:资本节约和效率提升

中国商业银行业正面临经营环境转变及监管层逆周期审慎监管的双重压力,其原有的盈利模式亟待转换。从可持续发展的高度指出资本节约及效率提升是中国商业银行业盈利模式转型的方向。通过对2011年上半年上市银行财务数据分析发现,商业银行在保持盈利高增长的同时中间业务迅速成长、中小企业贷款占比快速提高、费用控制卓有成效、资本内生已有体现,其转型方向在实践中具有可行性。

Profit Mode Conversion of China Commercial Banks： Capital Saving and Efficiency Improvement

China commercial banks face double pressures from both the business environment changes and the countercyclical prudential supervision.Thus,their current profit mode needs to be changed.From the Sustainable Development theory the article thinks that capital saving and efficiency improvement is the ideal profit mode direction.From the first half year of 2011’s financial reports of listed banks in China,we find their intermediary business grew rapidly,SME loan proportion increases,better cost control,endogenous complement capital and meanwhile highly profitable.Therefore,this article draws a conclusion that capital saving and efficiency improvement is not only theoretically feasible but also applicable in practices.