题目利率市场化下中国建设银行盈利模式转型分析摘要：商业银行是我国金融体系的重要组成部分，是直接参与市场经济活动的主体，同时也是联系货币政策、货币流通的重要媒介。近年来，随着利率市场化改革步伐不断加快，我国商业银行以利差收入为主的传统盈利模式无疑面临巨大的冲击，因此，本文以中国建设银行的盈利模式为主要研究对象，通过数据对比以及分析，探讨其盈利模式存在的问题，并提出合理化的解决思路，促进中国建设银行的发展。关键词：利率市场化，商业银行，中国建设银行，盈利模式，转型Abstract：AsanimportantpartofChina'sfinancialsystem,commercialBanksarethemainbodyofdirectparticipationinmarketeconomyactivities,aswellasanimportantmediumofmonetarypolicyandcurrencycirculation.Inrecentyears,withtheacceleratingpaceofmarket-orientedinterestratereform,ourcountrycommercialbankisgivenprioritytowithinterestincomeoftraditionalprofitmodelisfacinghugeimpact,therefore,thisarticletakestheprofitpatternofChinaconstructionbankasthemainresearchobject,throughthecomparisonandanalysisdata,thispaperprobesintotheproblemstheprofitmodel,andputforwardreasonablesolution,promotethedevelopmentofChinaconstructionbank.Keywords：Interestrateliberalization,commercialbank,Chinaconstructionbank,profitmodel,transformation.目录1引言........................................................................................................................42中国建设银行盈利模式简介................................................................................42.1营业收入构成....................................................................................................42.2利息净收入分析................................................................................................52.3中间业务收入分析............................................................................................73中国建设银行盈利模式存在的问题....................................................................73.1盈利模式单一....................................................................................................73.2利润结构不合理................................................................................................83.3风险管理体系不完善........................................................................................83.4产品业务缺乏创新性........................................................................................94利率市场化环境下加速中国建设银行盈利模式转型的建议............................94.1加快发展多元化的盈利模式..........................................................................104.2完善自身的经营结构......................................................................................104.3建立合理有效风险管理机制..........................................................................104.4大力发展金融创新..........................................................................................11结论.....................................................................................................................13参考文献.................................................................................................................14致谢.......................................................................................................................151引言所谓商业银行盈利模式，是指商业银行在一定的经济发展水平和市场机制环境下，以一定资产负债结构为基础的主导财务收支结构。长期以来，作为中国银行业...
