CAJ | 학술논문

2011年到2012年上半年,在我国银监会公布的数据显示,2011年我国银行业总资产达到113.28万亿元,相比2010年增长了18.9豫,我国银行业的净利润也在2011年首次超过了万亿元大关,达到了39.3%的惊人增长.与此相应的是工业企业等实体经济日趋困难,我国银行业在经济发展中的作用再次遭受质疑.本文从银行利润来源的分析入手,指出我国银行业目前存在着因为政策性垄断和市场化改革不充分而带来的高额利润问题,并提出我国银行业在未来发展中需要改革的几点建议.
2011년도2012년상반년,재아국은감회공포적수거현시,2011년아국은행업총자산체도113.28만억원,상비2010년증장료18.9예,아국은행업적정리윤야재2011년수차초과료만억원대관,체도료39.3%적량인증장.여차상응적시공업기업등실체경제일추곤난,아국은행업재경제발전중적작용재차조수질의.본문종은행리윤래원적분석입수,지출아국은행업목전존재착인위정책성롱단화시장화개혁불충분이대래적고액리윤문제,병제출아국은행업재미래발전중수요개혁적궤점건의.
The data released by China banking regulatory commission (CBRC) from 2011 to the first half of 2012 showed that China banking financial institutions total assets of 113.28 trillion yuan in 2011, compared with 2010, growth of 18.9%, our country commercial bank's net profit is more than trillion yuan for the first time in 2011, has realized the astonishing growth of 39.3%. Corresponding to this, industrial enterprise entity economy is becoming more difficult, the role of China's banking industry in the economic development is questioned again. From the analysis of the source of banking profits, this paper points out there are problems of high profit in China's banking industry due to policy monopoly and inadequate market reform at present and put forward reform suggestions for China's banking industry in the future development.