传统银行业转型方向辨析

Analysis of the Transformation Direction of Traditional Banking

在利率市场化与互联网金融竞争及民营银行准入一系列宏观经济环境等因素挤压下,传统银行业生存空间恶化,亟须转型发展。目前银行业转型两大模式,一是更加趋于专注单一行业的银行(如房地产抵押银行、小额信贷银行等);二是银行业转型为混业经营、提供综合一站式服务的金融控股公司。笔者重点分析转型成为金融控股公司模式,并指出转型金融控股公司是传统银行业最优模式选择。

The living environment of Chinese traditional banks has become more severe since a series of revolution like the market-oriented interest rate reform,falling of economic growth rate and competition from the internet financial sector,relaxation of market access regulation and etc.How to escape the predicament though modern revolutions are pressing for the bank industry at this moment?It is an irreversible trend that traditional banks will transform to financial holding companies.