新常态下商业银行面临的挑战及应对策略

The Challenge and Coping Strategies for the Commercial Banks under the New Normal

随着互联网金融的快速发展以及利率市场化改革的持续推进,商业银行在发展过程中出现了资产规模增大而增幅下降、负债增速不断萎缩、资本与资产回报率下降、信贷不良资产率攀升、非息差收入占比增加缓慢、息差收入仍然是商业银行的主要收入来源等问题。商业银行必须顺应经济新常态以调整信贷资产投放方向,防范房地产融资、政府债务融资和经济通缩风险积累,并大力拓展中间业务、实行商业银行精细化管理应对利率市场化带来的经营压力。

With the rapid development of internet banking and the advance of interest rate market reform, commercial banks in the development process reveal the new characteristics of commercial banks, including the growth in assets and liabilities decline, return on capital is reduced, non - performing loans rate is increase, non-interest margin rate is increase lowly and interest margin. They are the problem of main income of commercial bank. Commercial banks must conform to the new economic norm to adjust credit assets direction, to prevent real estate financing, financing of government debt and deflation risk accumulation, and vigorously develop the intermediate business, the implementation of commercial banks fine management to deal with pressure on the operation of the interest rate market.