我国商业银行非利息业务现状及对策分析  

Analysis on the current situation and countermeasures of non-interest business of commercial banks in China

作　　者：杨丹 Yang Dan(Liaocheng University,Liaocheng,Shandong,252000)

机构地区：[1]聊城大学商学院,山东聊城252000

出　　处：《市场周刊》2022年第6期93-96,共4页Market Weekly

摘　　要：在利率市场化改革基本完成、金融脱媒的背景下,银行业利差收窄,传统的盈利模式受到了冲击,促使商业银行不断拓展业务范围和创新非利息业务以减缓不利影响。基于此,在明晰非利息业务定义的基础上,分析大型银行、股份制银行非利息业务的现状及存在的问题,从产品种类、定价机制、人才培养、风险防范等方面提出对策建议,对症下药,以促进商业银行向高质量发展方向迈进。Under the background of the basic completion of interest rate liberalization reform and financial disintermediation,the inter-est spread in the banking industry has narrowed,and the traditional profit model has been impacted,which promptes commercial banks to continuously expand their business scope and innovate non-interest business to mitigate the adverse impact.Based on this,on the basis of clarifying the definition of non-interest business,this paper analyzes the current situation and existing problems of non-interest business in large banks and joint-stock banks,and puts forward countermeasures and suggestions from the aspects of product type,pricing mechanism,talent training,risk prevention,etc.It can promote commercial banks to move towards high-quality development.

关 键 词：大型银行 股份制银行 非利息业务 

分 类 号：F832[经济管理—金融学]