全球银行业盈利能力疲弱的原因及影响

Cause and Impact of Weaker Global Banking Profitability

金融危机后,全球银行业盈利能力长期处于较为疲弱状态,利润水平显著且持续下降,这不仅导致银行资产增长乏力,拖累其业务拓展,而且可能危及经济和金融稳定,使货币政策多目标之间的权衡更加复杂。尤其是在当前低利率环境下,金融实体容易过度承担风险以追求收益,加上企业和家庭部门高负债等相关因素,可能进一步放大上述影响。

After the financial crisis,the profitability of the global banking industry has stayed in a relatively weak state for a long time,and the profit level has continued to decline significantly,which has not only led to the sluggish growth of bank assets,dragged down its business development,and may also endanger the economy and financial stability and complicate the balancing of the multiple goals of monetary policies.In the current low interest rate environment,financial entities are especially prone to assuming excessive risks for the pursuit of returns.Coupled with relevant factors such as high debts in the corporate and household sectors,the aforementioned impact may be further amplified.