基于盈利模型的中小商业银行经营策略研究

Research on the Business Strategy of Small and Medium-sized Commercial Banks Based on Their Earning Model

中小商业银行盈利模式与大型银行盈利模式具有差异性,主要集中于其容易受到资产规模和经营规模的约束。然而我国中小商业银行在当前经营模式下没有注重这一差异,在具体经营过程中采取与大型银行一样的管理策略,严重制约了中小商业银行的发展。本文试图建立中小商业银行盈利模型,并在给予初步数理分析基础上,提出一些经营管理方面的建议。

Due to the limit of the scale of assets and business, the earning model of small and medium-sized commercial banks differ much from that of state-owned banks. Nevertheless, the small and medium - sized commercial banks in China pay no attention to the existing problem and follow the management model of state-owned banks, which highly restricts their development. Based on the analysis of the earning model of small and medium-sized commercial banks, this paper tries to give some suggestions on the method of management.