利率市场化下我国商业银行盈利模式转型研究.docVIP

PAGE PAGE 19 利率市场化下我国商业银行盈利模式转型研究 摘要：2015年我国利率市场化改革基本完成，存贷利差逐渐收窄，商业银行的盈利水平面临多方面挑战，例如2015年度四大行的净利润增长率均未超过1.5%。其中，利差收入为主的传统盈利模式已无法维持商业银行利润的可持续增长，所以选择合适的盈利模式来有效配置资源，提高盈利水平，实现新经济下的利润增长已是各家银行的经营目标。本文着眼于16家上市银行，从盈利水平和盈利模式出发，分析了目前我国商业银行盈利模式的发展状况，并对16家上市商业银行分类，根据相关数据建立模型进行回归分析，研究各因素对盈利水平的贡献度，结果证实了增加中间业务收入对各类商业银行盈利水平提升都具有重要作用。所以，盈利模式应向提升非利息收入方向转型。此外，本文也提出了切合实际的盈利模式转型的有关建议，具有较好的综合性与可行性。 关键词：利率市场化商业银行盈利模式转型中间业务收入 Research on the profit model transformation of commercial banks with the interest rate liberalization Abstract: Market-oriented reform of interest rates has basically completed in 2015, the spread of deposit and loan is narrowing down, the level of profitability of commercial banks is facing many challenges, for example,the big for commercial banks’ annual growth rate of net profit did not exceed 1.5% in 2015. The traditional profit model based spread income has been unable to maintain the sustainable development of commercial bank profits, so choosing right profit model to allocate resources efficiently, improve profitability and achieve profitable growth under the new economy is every bank’s business objectives. This article looks at the 16 listed banks, from the level of profitability and profit model, and analyzes the current development situation of Chinese commercial banks profit model.By 16 listed commercial banks classification, regression analysis model based on relevant data, the paper also studies contribution level of profitability of various factors, confirming intermediate business income has an important role for various commercial banks to enhance profitability . Therefore, we should enhance the transformation of the direction of non-interest income. In addition, the paper also made recommendations about the practical profit model transformation, with better integrated and feasibility. Keywords: Interest rate liberalization, Commercial banks, Profit model transformation, Intermediate business income 一、引言 （一）研究背景 利率市场化是我国金融体制改革的重要内容，是实现市场决定资源配置的重要环节