利率市场化改革条件下商业银行的战略转型和创新方向

The Strategic Transformation and Innovation of Commercial Bank under Interest Rate Marketization Reform Background

我国利率市场化改革已进入到最终放开存款利率管制的攻坚阶段。在利率市场化改革背景下,商业银行的盈利能力、资产负债管理能力、风险管理能力、自主定价能力将面临严峻挑战。面对新的变化趋势,商业银行应该构建新型的盈利模式,通过战略转型与创新驱动来实现突围发展。

The interest Rate marketization reform has entered a crucial stage to the final opening deposit rate control in China. Under the background of interest Rate marketization reform, commercial Banks＇ profitability, assets and liabilities management capacity and risk management ability, independent pricing power will face severe challenges. Facing the new trend, commercial banks should build a new profit model to achieve a breakthrough through the strategic transformation and innovation.