浅析我国商业银行盈利模式的转型

On the Transformation of Profit Model of Commercial Banks in China

随着金融市场化改革的深入，商业银行作为我国金融体系中最大体量的组成部分，也面临着改变盈利模式的需要，利率市场化使传统的利差为主的盈利模式不再可行，商业银行急需寻找新的盈利增长点缓解其庞大资金规模带来的财务成本压力。本文借鉴国外的商业银行发展规律，认为商业银行必将转型成为以中间业务、表外业务为主的多元化盈利模式转型。

With the deepening of financial market reform, commercial banks, as the most important part of China＇s financial system, are also faced with the need to change the profit model. Interest rate marketization makes the traditional profit-based profit model no longer feasible , Commercial banks need to find new profit growth point to ease the size of its huge financial costs brought about by the financial pressure. This paper draws lessons from the development law of commercial banks abroad, and thinks that commercial banks will transform into diversified profit model with intermediate business and off-balance sheet business.