商业银行的变革与启示

Commercial banking transformation and its implication

商业银行是我国金融体系中最主要的组成部分，其自身的资产结构、盈利结构在过去十余年里已发生显著变化，不仅其外在战略扩张和内在组织结构在持续优化，具体的业务结构也在不断变革，依赖于金融市场的资金业务的重要性不断上升，资产管理业务整合的影响也日渐深远，这些对于包括银行问市场在内的金融市场而言是普遍的积极因素，商业银行的这些变化也能为金融市场的建设发展提供某种镜鉴。

Commercial banks are an important constituent of China＇s financial system, the asset structure and profit structure have been changing over the past decade. The external strategic expansion and internal organizational structure continue to improve, and the business structure is undergoing transformation. The importance of treasury operation reliant on the financial market is increasing, and the impact of an integrated asset management becomes more profound, these are active factors to the financial market including the interbank bank, and such changes of commercial banks can provide reference to the development of the financial market.