商业银行的发展演变趋势及其定义调整

Evolvement Tendency and Its Definition Regulation of Commercial Bank Development

商业银行的发展演变,使得既有的商业银行定义越来越缺乏解释力和适应性。综合商业银行发展的历史、现状和演变的趋势,应对商业银行这一范畴作动态的界定。就现代商业银行来讲,应将其定义为:现代商业银行是以追求利润最大化为目标,以金融资产和金融负债为主要经营对象,业务综合化、功能多样化的公司制金融企业,具有“金融超级市场”或“金融百货公司”的美称。

The existing definition of commercial bank has less and less power in explanation and adaptability, because of the evolvement and development of commercial bank. We thereby should give the dynamic definition to the commercial bank according to its history, current situation and evolvement tendency. As far as the modem com- mercial bank is concerned, its definition is that the modem commercial bank is the financial corporation with integrated business and diversified function, regarding the financial asset and debt as its primary operating object and pursuing profit-maximizing as its target. Meanwhile, it has always enjoyed the reputation of being ＂financial supermarket＂ or ＂financial department store＂.