我国大型商业银行现状思考——基于五大行2011-2015年度财务报告

The Reflection on the Current Conditions of Chinese Large-scale Commercial Banks:Based on Five Banks' Annual Financial Reports during the Period of 2011 to 2015

文章主要对我国五大商业银行2011-2015年度财务报告进行探析,发现近几年各大行金融创新意识增强,非利息收入增长迅速,该类业务营收占比逐年增长,收益结构逐步优化。但各行在扩张规模、推进国际化进程中,不良贷款增加、资产质量下降、境外业务收益率偏低的问题引人关注;同时,在我国经济增长放缓的宏观环境下,各大行收益率呈下降趋势,正逐步推进的利率市场化变革更是加大了各行盈利压力。为此,文章提出,各行应注重金融创新以强化长期盈利能力,加强贷款业务过程控制以优化资产质量,践行金融人才培养以提高运营效率与集团业绩等措施。

The essay mainly describes the discoveries from financial reporters during the period of 2011 to 2015, concerning Chinesefive Large-scale Commercial Banks. The discoveries suggest that, recently, these large commercial banks＇ innovative awareness in finance is enhanced, and non-interest income increases with a rapid speed. So these businesses＇ percent of revenue is increasing and yield structure is optimizing. However, as these banks＇ scale expanding and internationalization accelerating, non-perfor^ning assets are increasing while the decrease of assets＇ quality and the lower yield rate of overseas businesses arouse wide concern. Simultaneously, with a slower speed of economic increase, these banks＇ profitability presents a decreasing trend. And recent revolution of market-oriented interest rate increase these banks profitability pressure without question. Therefore, the essay raises several measures for these commercial banks, including enhancing financial innovation awareness, intensifying process control, laying emphasis on train of excellent financial employee and the like to solute emerging issues in process of these banks＇ development.