摘要
金融竞争和资本充足率约束使得依赖传统存贷款业务的盈利空间缩小,我国商业银行近年来不断通过增加非利息收入业务提升盈利水平。但一直以综合业务见长的美国银行业在金融危机中深陷生存困境,使得我国起步阶段的银行创新业务受到了质疑,其中关于非利息收入相关业务是否创新过度更是成为业界争论的焦点。在比较分析四家全球性外资银行集团和我国商业银行近年来的业务收入结构变化的基础上,指出我国国有商业银行非利息收入业务发展中存在总量不足、业务结构低端化的问题,提出应通过拓展代理融资业务和创新投资银行业务提升我国国有银行的盈利空间。
Financial competition and the limitation of capital adequacy ratio narrow the profit margins in traditional businesses of commercial banks.Chinese commercial banks have improved the profits by increasing non-interest income business in recent years.However,the financial crisis in 2007 and 2008 has a powerful impact on American commercial banks as well as the innovation in financial services,in which non-interest income-related businesses is under the spotlight.In our country,whether continue to innovate or how to innovate is a top question worth exploring. Based on the research of non-interest income business development status quo in China＇s four major state-owned banks, this paper gives some development proposals that the Chinese commercial banks should explore factoring and innovating the investment bank business to increase the profitability.
出处
《河北科技大学学报（社会科学版）》
2009年第4期26-31,83,共7页
Journal of Hebei University of Science and Technology:Social Sciences
关键词
商业银行
非利息收入
创新
业务多样化
commercial banks
non-interest income business
innovation
diversification in banking services
