利率市场化背景下我国国有商业银行盈利模式转型探究摘要我国正处于经济转型和利率市场化变革之中，面对互联网金融竞争和同业改革创新加快的现况，使得国有商业银行的传统业务收益降低且风险加大。伴随着经济市场的发展，客户对于金融市场所提供的相关服务也有了更为苛刻的需求，随着客户需求质量的不断提升，商业银行为了顺应时代发展的需求，在经济转型的浪潮中紧跟时代发展的步伐做出相应的转型调整，以便更好的顺应经济市场的变化，在论述过程当中，本文通过采取因子分析法来进行研究，对现阶段我们国家商业银行的发展现状进行相应的分析，重点对于盈利结构进行研究，使得国有商业银行能够更好的利用现有的资源改变过去传统的盈利结构，加强行业活力和竞争力。不仅要结合市场需求加快发展非利息业务，而且要重视创新重视人才，加强国有商业银行软实力的建设。关键词：非利息业务；盈利模式；利率市场化；国有商业银行AbstractIn the era of the economic crisis, our country is in economic transition and the marketization of interest rate changes, in the face of the Internet financial innovation to speed up the current situation of competition and trade, make the traditional state-owned commercial Banks to reduce risk and increase business revenue. On the other hand, with the economic development, market demand for commercial Banks to increase, demand way also in change, the transformation and development of the commercial Banks provide the opportunity. This paper USES the factor analysis method analyze the profit structure of state-owned commercial Banks, combined with actual situation transformation Suggestions are presented. In the face of previous constrained by traditional business profit model, less energy but the power to be reckoned with state-owned commercial Banks should be speeding up the transformation of the profit structure from several aspects, not only should be combined with market demand to speed up the development of non-interest business, attaches great imp...
