中外商业银行收入结构比较研究

A Comparative Analysis of Revenue Structure Be-tween Chinese and Foreign Commercial Banks

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,如何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,我国商业银行收入结构的调整与改造至关重要。本文通过对中外商业银行收入结构的比较,找出收入差异的形成因素,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优化收入结构的思路和重点发展的业务领域,以促进我国商业银行全面、协调、可持续发展。

With the rapid development of bankin g industry opening and financial system reforming in China,the competi-tion between commercial banks becom es violent.It is of vital importance that income structure of commercial bank in China is adjusted and adapted to changing operating and improving method quickly,making strategic adjustment to operating structure,improving operating earning,and en hancing core competitive power.In this paper,comparing with income str ucture of Chi-nese and foreign commercial bank,pr efers the suggestion of reforming in come structure with the operation of bank to help the development of commercial banks in China.