商业银行高额利润现象的平抑对策

Controlling Measures of High Profits of Commercial Banks

合理的利润分配是社会经济持续稳定和协调发展的基础。目前,商业银行在社会利润分配结构中享有固定利润分配特征。其原因主要在于我国商业银行的准入门槛高、市场对社会资金供不应求以及利率市场化程度不高。保持我国商业银行合理利润区间,必须进一步推进商业银行利率市场化进程,推进商业银行与企业间利益共享、风险共担机制,推进金融自由化进程。

Reasonable profit distribution is the foundation of continuous stability and harmonious development of society and economy.Currently,commercial banks have the characteristic of fixed profit distribution in social profit distribution structure,due to high entrance barrier of our commercial banks,greater demands than supply of social capital in the market and lower marketization degree of interest rate.We must further promote marketization process of interest rate of commercial banks,a profit sharing and risk sharing mechanism between commercial banks and businesses,and financial liberalization process to maintain a reasonable profit margin of our commercial banks.