我国商业银行收入结构改造

随着我国银行业对外开放的进一步扩大和金融体制改革步伐的加快,商业银行之间的竞争日益激烈。对于加快经营模式和增长方式的转变,实现经营结构的战略性调整,提高经营效益,增强核心竞争力等问题来说,我国商业银行至关重要的一个方面就是对收入结构进行改造。本文通过对中外商业银行收入来源的比较和量化分析,阐明了我国商业银行收入结构改造的必要性,并根据当前商业银行的经营情况有针对性地提出了商业银行进行收入结构改造的思路和重点发展的业务领域,促进我国商业银行全面、协调、可持续健康发展。

Reshaping the Income Structure of Our Commercial Banks

As our banking industry is opening wider to the outside world and reform of financial system is gearing up, interbank competitions become increasingly fiercer. In the course of quickening the change of business modes and growth patterns, making strategic adjustment of operational structure, enhancing operational returns and sharpening core competitiveness, the foremost issue facing our commercial banks is to reshape their income structure. Through a comparative and quantitative analysis of income sources between Chinese and foreign commercial banks, the need of our commercial banks to reshape their income structure is illustrated. In line with the current operation conditions of our commercial banks, guidelines for income restructuring and key business areas to be opened are discussed so as to make our commercial bank develop healthily in an all-round, coordinated and sustainable manner.