新常态下城市商业银行发展存在的问题及对策研究

Research on Problem and Countermeasure of City Commercial Bank Under the New Normal

新常态下,伴随着利率市场化改革的不断推进、存款保险制度的出台以及金融脱媒,城市商业银行依靠存贷差获取收益的传统盈利模式受到了挑战,信贷资产质量不断下滑。伴随着"十三五"期间提出的一系列战略举措,城市商业银行应结合自身情况,在控制内部风险的基础上,利用互联网技术,打造精细化、智能化和特色化的城市商业银行。

Under the new normal, along with the advancement of market-based reform of interest rates, deposit insurance system and financial disintermediation, city commercial bank5 s traditional profit model of relying on the difference between deposit and loan to earn profit has been challenged and the quality of credit assets has been declining constandy. With a series of strategic moves put forward during the period of the Thirteenth Five-Year Plan, city commercial bank, combined with its own situation, should take advantage of Internet technology and make itself fine, intelligent and specialized based on internal risk control.