我国银行业营业收入结构失衡的成因及对策  

On the Structure,Reason and Revelation of China's Banking Operation Revenue

作　　者：张国红[1] 

机构地区：[1]上海海关学院,上海201204

出　　处：《北京印刷学院学报》2013年第3期76-82,共7页Journal of Beijing Institute of Graphic Communication

摘　　要：对我国银行业的营业收入结构、主要特征及其成因分析显示,银行垄断是造成目前我国银行业利润持续高增长的最主要原因,也给我国经济发展带来了较大负面影响。只有深化利率市场化改革,采取鼓励和引导更多民间资本进入银行业等政策措施,才能逐步破除银行垄断,实现金融对我国经济发展的促进作用。Analysis to the structure, main feature and reason of China＇s banking operation revenue shows that banking monopoly is the chief reason for the sustained highly increase of China＇s banking profit, which therefore imposes bad effect to the economy. To deepen interest rate marketization, and to encourage and indirect private capital into banking sector, with other supporting measures, are the right ways to breakup banking monopoly and promote economic development.

关 键 词：营业收入 利息净收入 非利息净收入 银行垄断 利率市场化 

分 类 号：F83[经济管理—金融学]