我国商业银行高利润可持续性问题研究

Study on the Sustainability Problem of the High Profit of the Commercial Banks in Our Country

近些年我国商业银行持续的高利润引起普遍的关注,但我国金融市场改革步伐的加快也引发了人们对银行业高利润能否持续这一问题的思考。文章首先介绍了我国商业银行高利润的现状,分析了商业银行获得高利润的原因,其次探讨了我国金融市场发展与改革对银行盈利的影响,得出了银行业高利润状态不易保持的结论,同时提出了银行应对日趋激烈的市场竞争的对策建议。

The high profit which the commercial banks of our country have acquired in recent years has received widespread attention, however, the accelerating reform of the financial market in our country also caused the thinking of the problem that whether the high profit of the commercial banking sector could sustain. The article briefly intro- duced the condition of the high profit of the commercial banks of our country firstly, then analyzed the reason why the commercial banks could acquire the high profit, further more the article discussed the influence of the develop- ment and reform of the financial market of our country to the profit of the banks, finally concluded that the high prof- it of the banking sector is not easy to maintain in the future and also provided several suggestions regarding how the banking industry deals with the increasingly fierce market competition, etc.