论利差缩小与国有商业银行的发展方向

On Reduction of Margin and the Developing Direction for National Commercial Bank

利差缩小暴露出国有商业银行在机构设置、资产结构和金融创新等方面存在的问题 ,认为国有商业银行必须适应利差逐步缩小的现实 ,要更新经营理念 ,改善资产结构 ,不断进行金融创新 ,配合一定的外部条件 。

The reduction of margin uncovers the problems of national commercial bank in organization, assets structure and finance innovation. National commercial bank must adapt to the fact of margin reducing, update the management notions, amend the assets structure, continue finance innovation and coordinate with some external conditions in order to have a good development.