通货膨胀对我国商业银行盈利模式影响研究

Research on the Impact of Inflation on the Revenue Mode of Commercial Banks of China

当前我国面临较为严重的通货膨胀压力,并由此对商业银行的盈利模式产生了重要影响。我国商业银行原有的以贷款业务作为银行的主要业务、以利息净收入作为主要盈利来源的模式已经难以适应通货膨胀来临的新形势,完善现有商业银行盈利模式迫在眉睫。商业银行在目前通货膨胀的背景下,只要科学发展,丰富盈利手段,仍会取得较好的利润,从而对我国经济的发展继续做出重要贡献。

Now China is facing the pressure of in? ation,and the revenue mode of commercial banks is severely affected.Traditionally,the gap between savings and loans is the main source of commercial banks' revenue,but it is hardly to persist in the background of hyper-in? ation.Under this circumstance,the commercial banks should stick to scientific development and improve the ability of profit seeking.In this case,it will still profitable and make sustainable contribution to economic development of China.