关于我国商业银行盈利模式的分析

关于我国商业银行盈利模式的分析
摘  要

商业银行是国民经济发展的大动脉，在一国社会经济中发挥着越来越重要的作用。2006年以来，应WTO的承诺，中国的金融业全面对外开放，银行业也取得了令人骄傲的成绩，如中国工商银行市值在全球银行市值中雄踞第一就不得不令人欣慰。
但这并不意味着它就是全球最会盈利的银行，在中国金融业竞争日趋激烈的形势下，盈利能力即，银行获取利润的能力，才是一个银行的生存之道。而且现在的银行业的竞争早已不是简单的规模制胜，小鱼吞掉大鱼的例子也不是没有，商业银行只有拥有良好的盈利能力，才能在激烈的竞争中生存并最终脱颖而出。本文将从我国商业银行的盈利模式现状，缺陷，以及发展建议等方面来对我国商业银行的盈利能力做一个简要的分析，希望可以对我国商业银行的发展有所帮助。
关键词：商业银行  盈利模式   发展建议
ABSTRACT
Commercial Bank is the main artery of the national economic development, playing an increasingly important role in in a country's socio-economic. Since 2006, the WTO commitments, China's financial sector is fully opened, the banking industry has also been made proud achievements, such as the market value of the Industrial and Commercial Bank of China in the global banking market capitalization ranked first have to gratifying.This does not mean it is the world's most profitable bank in an increasingly competitive situation of China's financial industry, profitability, that is, the ability of banks to profit, is a bank to survive. And now competition in the banking industry has long been not simply the scale of victory, big fish small fish swallow up the example, commercial banks only have good profitability in order to survive in the fierce competition and ultimately come to the fore. This article from the status quo of China's commercial banks profit model, defects, and the development of recommendations to make a brief analysis of the profitability of commercial banks in China can be helpful to the development of China's commercial banks.
Key words：Commercial Bank  Profit model   Development proposals

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