我国银行业高额利润分析及对策研究

Analysis of High Profits of Banking Sector in China and Countermeasure Research

2011年到2012年上半年,在我国银监会公布的数据显示,2011年我国银行业总资产达到113.28万亿元,相比2010年增长了18.9%,我国银行业的净利润也在2011年首次超过了万亿元大关,达到了39.3%的惊人增长。与此相应的是工业企业等实体经济日趋困难,我国银行业在经济发展中的作用再次遭受质疑。本文从银行利润来源的分析入手,指出我国银行业目前存在着因为政策性垄断和市场化改革不充分而带来的高额利润问题,并提出我国银行业在未来发展中需要改革的几点建议。

The data released by China banking regulatory commission （CBRC） from 2011 to the first half of 2012 showed that China banking financial institutions total assets of 113.28 trillion yuan in 2011, compared with 2010, growth of 18.9%, our country commercial bank＇s net profit is more than trillion yuan for the first time in 2011, has realized the astonishing growth of 39.3%. Corresponding to this, industrial enterprise entity economy is becoming more dittlcult, the role of China＇s banking industry in the economic development is questioned again. From the analysis of the source of banking profits, this paper points out there are problems of high profit in China＇s banking industry due to policy monopoly and inadequate market reform at present and put forward reform suggestions for China＇s banking industry in the future development.