我国上市商业银行经营收入结构分析

A Study of the Operating Income Structure of the Listed Commercial Banks of China

随着全球商业银行经营业务发展创新浪潮的日益高涨、存贷利差的日趋减少,传统的存贷利差收入已远远不能满足商业银行追求利润最大化的原则,而上市商业银行的经营业绩更是受到更多的关注与重视,如何改善其经营收入结构,已成为上市商业银行迫在眉睫的重要课题。该文通过剖析我国11家上市商业银行2000—2007年经营收入结构的变化,对如何增加经营收入,改善经营收入结构方面作出探索。

With the ever growing innovation of global business development of commercial banks, loan- to-deposit interest rate differential has been reduced day by day, the traditional loan-to-deposit income is far from meeting the needs of the principles of the pursuit of profit maximization, and the operation of the listed commercial banks performance is subject to more and more attention, and how to improve its operating income structure has become a imminent important topic to listed commercial bank. Through the analysis of the changes in the structure of operating income of China＇s 11 listed commercial banks in 2000 to 2007, this article is intented to explore the operating on how to increase incomes and improve operating revenue structure for the necessary research.