亚太地区商业银行收入结构:特征、成因及其前景——基于全球视角的比较分析

与欧美银行业非利息收入占比普遍较高有所不同的是,亚太银行业收入结构具有很强的区域差异性、波动性特征,其成因主要是各个经济体金融监管环境和资本市场发展程度的不同,经济周期因素则对各种收入来源的波动产生一定的影响。随着亚太地区金融监管水平的提高和直接融资市场的发展,银行业收入结构将会步入更为均衡的发展模式,但结构的波动性特征仍将继续存在,银行需要采取适当措施以保持总体收入水平的持续稳定增长。

The income structure of Asia-Pacific banking displays different characters compared with European and American peers. The main reason is that financial supervisory environment and development of capital markets vary significantly among Asia-Pacific economies. Business cycles also affect the income structure to some extent. With the financial supervision improving and direct finance market booming, the income structure of Asia-Pacific banking will become more balanced, but growth fluctuation will still remain. Banks need to take proper measures to insure stable and sustainable growth of total income.