摘要
商业银行作为间接融资的中间人，在我国金融市场中发挥着重要的作用。商业银行的盈利模式是银行实现利润、创造价值、获取自身核心竞争力的方式和途径。但随着2008年金融危机的爆发，对宏观金融环境造成巨大不良影响，加之巴塞尔Ⅲ的出台使得金融监管日益严格、利率市场化的进一步实现、证券市场的发展以及信托余额宝等新型机构与产品的挤占使商业银行面临的金融脱媒问题愈演愈烈，我国商业银行当前的利润空间被不断压缩，以利差为主的盈利模式亟待转变。
本文先对我国商业银行盈利模式的现状及其面临的问题进行分析，从收入和业务两个角度入手分析现状，并从重要指标对比分析国有四大行、股份制银行和城商行的表现，具体来看国有商业银行、股份制银行、城商行应该通过差别定位，特色化发展来避免单一模式；同时通过轻资产化经营，提高中间业务水平；并在发展业务的同时提高科学定价水平，全面经营风险；建自身品牌，注重人首养。
关键词：商业银行，盈利模式
As the intermediary of indirect financing, commercial banks play an important role in the financial market of our country. The profit model of commercial banks is the way to realize the profit, create value, and gain the core competitiveness of the bank. But with the outbreak of the financial crisis of 2008, with the introduction of the Basel III makes financial regulation increasingly strict, the interest rate market further, securities market development and balance of the trust treasure and other new organizations and products are diverted to make commercial banks facing the financial disintermediation problems intensified, the Commercial Bank of our country current profit margins have been squeezed, to spread mainly profit model should be changed.
Firstly on the profit model of Commercial Bank of our country current situation and facing problems were analyzed, from two angles of business income and starts with the analysis of the current situation and from the important index contrast analysis of four major state-owned banks, shares of banksand city commercial banks. Specifically, the state-owned commercial banks, joint-stock banks, city commercial banks should by the difference in the location and characteristics of development in order to avoid a single mode; also through the light asset management, improve the level of intermediate business; and business development at the same time improve level of scientific pricing, comprehensive risk management; to build its own brand.
KEY WORDS：Commercial Bank, Profit model
目 录
ABSTRACT………………………………………………….. 2
1.2.1 国内相关文献综述……………………………….. 6
2我国商业银行盈利模式的现状分析……………………………… 9
2.1我国商业银行目前发展状况与特征………………………… 9
2.2我国商业银行利差主导型盈利模式……………………….. 10
2.3我国商业银行盈利模式转型的必要性和紧迫性………………. 11
2.3.2利率市场化的加快推进……………………………. 12
2.3.3直接融资比重日益扩大，金融脱媒化趋势显现………….. 13
2.3.4 市场需求多元化……………………………….. 14
2.4西方发达国家商业银行盈利模式对我国的启示………………. 15
3我国商业银行盈利模式及转型中存在问题……………………….. 18
3.1从公司管理角度分析我国商业银行盈利模式转型存在的问题……. 18
3.1.1一味信贷扩张忽略风险控制………………………… 18
3.1.2业务类型单一和收入水平较低………………………. 18
3.1.3商业银行创新能力较低……………………………. 18
3.2从收入构成角度分析我国银行盈利模式存在的问题…………… 18
3.3从业务角度分析我国银行盈利模式存在的问题………………. 21
4加快我国商业银行盈利模式转型建议和对策……………………… 22
4.2.1加大对中间业务的投入……………………………. 22
4.2.2用创新思维指导中间业务………………………….. 22
4.3.1以客户需求细分市场提供差异服务…………………… 23
4.3.2金融便利化提升商业银行服务水平…………………… 24
4.4努力塑造核心竞争力………………………………….. 24
