国内外主要银行业务板块收益结构变化及启示

Changes and Enlightenment of the Revenue Structure of the Business Sector of Major Banks in China and Abroad

2001~2020年,受到经济周期、资本市场发展、金融市场改革、客户需求变化、金融科技冲击、自身禀赋和战略调整等因素的影响,国外大型银行业务板块结构不断变化,相比之下国内大型银行业务板块相对稳定。本文分析了美国、英国、法国的八家大型商业银行以及中国的四大行和招行的业务板块变化及收入占比的趋势和原因,给出了我国银行业发展的启示与建议。

This paper analyzes the trends and reasons of the changes of business sectors and revenue proportion of eight large commercial banks from the US, the UK and France, as well as the four major state-owned banks and China Merchants Bank. At last, it gives some enlightenments and suggestions for the development of China’s banking industry.