保持商业银行合理利润率的研究

The Study on Keeping Commercial Banks′Reasonable Profit Margin

合理的利润分配是一个社会中经济持续稳定和协调发展的基础。从目前情况看来,商业银行作为服务行业,在目前的社会利润分配结构中存在着非市场性特征和固定利润分配机制。形成这种状况的原因在于,我国商业银行的准入垄断性和经济发展过程中的社会资金供不应求,以及利率市场的体制弊病,为此必须进一步深化商业银行利率市场化进程,促进金融改革自由化;加强金融监督,建立与国际接轨的规范化市场金融;建立银行与企业经营之间的风险共担机制;加快实施综合经营战略,打造多元化金融服务;坚持创新发展,大力发展金融市场;巩固和强化亚太地区优势,提升全球服务能力,实现利率市场化和金融自由化。

According to various existing evidences, the Chu culture is the iReasonahle profit distribution is the basis of the economy＇s sustainable, stable and coordinated development of the society. At present, as the service industry, the commercial bank possesses non-market feature and fixed profit distribution mechanism in the distribution structure of social profit, the reason of which is the monopoly of commercial banks＇ access, the shortage of capital in the development of economy and the system evil of interest market. In order to realize the marketization of interest rates and financial liberalization, the following measures should be taken. First, the financial supervision should be strengthened to constrcut regular financial market connecting with the interuational market. Second, the mechanism of sharing risks should be established between commercial banks and enterprises. Third, the strategy of comprehensive management should be implemented to mold plural financial service. Fourth, it is necessary to intensify its advantages in Asian and Pacific region to promote its capability of global service.