河南科技学院学报（社会科学版）
河南科技學院學報（社會科學版）
하남과기학원학보（사회과학판）
JOURNAL OF HENAN INSTITUTE OF SCIENCE AND TECHNOLOGY(SOCIAL SCIENCES EDITION)
2015年
3期
15-18
,共4页
商业银行%高利润%利率市场化%互联网金融
商業銀行%高利潤%利率市場化%互聯網金融
상업은행%고리윤%리솔시장화%호련망금융
commercial ballks%high profit%interest rate liberalization%internet finance
近些年我国商业银行持续的高利润引起普遍的关注，但我国金融市场改革步伐的加快也引发了人们对银行业高利润能否持续这一问题的思考。文章首先介绍了我国商业银行高利润的现状，分析了商业银行获得高利润的原因，其次探讨了我国金融市场发展与改革对银行盈利的影响，得出了银行业高利润状态不易保持的结论，同时提出了银行应对日趋激烈的市场竞争的对策建议。
近些年我國商業銀行持續的高利潤引起普遍的關註，但我國金融市場改革步伐的加快也引髮瞭人們對銀行業高利潤能否持續這一問題的思攷。文章首先介紹瞭我國商業銀行高利潤的現狀，分析瞭商業銀行穫得高利潤的原因，其次探討瞭我國金融市場髮展與改革對銀行盈利的影響，得齣瞭銀行業高利潤狀態不易保持的結論，同時提齣瞭銀行應對日趨激烈的市場競爭的對策建議。
근사년아국상업은행지속적고리윤인기보편적관주，단아국금융시장개혁보벌적가쾌야인발료인문대은행업고리윤능부지속저일문제적사고。문장수선개소료아국상업은행고리윤적현상，분석료상업은행획득고리윤적원인，기차탐토료아국금융시장발전여개혁대은행영리적영향，득출료은행업고리윤상태불역보지적결론，동시제출료은행응대일추격렬적시장경쟁적대책건의。
The high profit which the commercial banks of our country have acquired in recent years has received widespread attention,however,the accelerating reform of the financial market in our country also caused the thinking of the problem that whether the high profit of the commercial banking sector could sustain.The article briefly intro-duced the condition of the high profit of the commercial banks of our country firstly,then analyzed the reason why the commercial banks could acquire the high profit,further more the article discussed the influence of the develop-ment and reform of the financial market of our country to the profit of the banks,finally concluded that the high prof-it of the banking sector is not easy to maintain in the future and also provided several suggestions regarding how the banking industry deals with the increasingly fierce market competition,etc.
