从花旗、富国银行看我国商业银行增长方式的转变

花旗银行与富国银行增长方式及其业绩表现的对比表明，以推进大型并购为主的外延式增长虽然有助于商业银行迅速做大规模，却容易忽略核心业务、盈利能力与风险管理建设，难以实现可持续发展。我国商业银行应借鉴国际同业经验，从市场定位、业务结构、盈利模式和资本约束机制等方面入手，实现平衡增长。

From the Comparison of Citibank and the Wells Fargo Bank's Growth Models to Look the Grows Transformation of Our Country's Commercial Bank

The comparison between growth models and operating performance of the Citibank and the Wells Fargo bank demonstrates that, extensive growth model and strategy, which focus on large-scale merger and acquisition, will help a bank to quickly expand its assets, while at the same time ignore the continual promotion of core business, the build-up of risks management system, and the improvement of profitability, making the bank unable to realize sustainable development. China＇s banking industry should take lessons from the international banking development, make sure to keep an balanced growth model.