试探海峡西岸经济区的银行盈利模式

Commercial Bank's Profit Patterns in Strait-West-Coast-Economic-Zone

本文结合福建省所在的特色区域位置及经济特征,探讨了在"十一五"规划把福建省创新定义为"海峡西岸经济区"这一特殊经济地带后,地处海峡西岸经济区的银行如何面对经济发展及区域关系发展带来的经济转变,与时俱进,寻找适合自身以及区域经济特点的盈利模式,实现可持续的科学发展。本文以海峡西岸经济区的某家银行2006年数据为例,浅析了该行的主要盈利模式和盈利产品板块的变化,提出了海峡西岸经济区银行盈利模式的抉择及其发展方向。

Given that the Outline of the Eleventh Five-Year Plan defines Fujian Province as a special region area--Strait-West- Coast-Economic-Zone, the paper discusses how local commercial banks can face the economic transformation caused by Fujian＇s economic development and changes of regional relationship, combining with Fujian＇s special regional position and economic characteristics. It is important for local banks to keep pace with the times and seek suitable business models to achieve the scientific and sustainable development. By using a local commercial bank＇s data in 2006, the paper analyzes its main profit pattern and changes of profitable product module, and brings forward several suggestions for local banks to choose suitable profit patterns.