【摘要】 我国商业银行经营收入的提高高度依赖于各种形式的利息收入,这种单一、失衡的经营收入结构,导致成本收入比长期居高不下。如果说在实行管制利率的情况下,这样的经营收入结构能够得到维持,财务基础和收入状况不会受到威胁的话,那么在利率市场化改革渐次展开和逐步推进的今天,则正在失去赖以生存的土壤走向尽头。面对利率市场化最终将缩小和收窄商业银行过分仰赖的净利差,进而导致经营收入减少的现实,我国商业银行只有因势而变,努力扩大非利息收入的比重,顺势实现既有经营收入结构的适时转型,才能增强和保持自身的竞争力和可持续发展能力。更多还原

【Abstract】 The operation earnings of commercial banks in China heavily depend on interests.The asymmetry of earnings results in lasting high cost-earning ratio.Under managed interest regime,the financial basis and earning condition are still sound with the mono-earning structure.However,with increasing market interest rate reform,the earning structure problem seems to be in deadlock.To maintain and strengthen competitiveness and sustainability,China commercial banks should make efforts to increase non-interest earning proportion and rationalize the earning structure.更多还原