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商业银行需改变盈利的模式

分类:资讯   更新:2015/6/14   来源:网络

  Commercial banks must overhaul1 their profit models from traditional ones to address the narrowing interest margin2, urged Shang Fulin, chairman of China Banking3 Regulatory Commission.

  中国银监会主席尚福林主张,商业银行必须改变其传统的盈利模式,以应对存贷利差收窄的问题。

  The model relying on the lucrative4 gap between lending and savings5 rate is no longer sustainable, as the proportion of interest income has declined, Shang said in an article in China Banking magazine on Tuesday.

  Interest income accounted for only 48 percent of the total earnings6 among Chinese commercial banks in 2014, down 7.3 percentage points from three years ago, he added.

  Shang said China's banking industry should seek profits from risk management and the pricing of financial products, while lowering operation costs.

  Market participants should more carefully analyze7 the "new normal" within the banking industry, and actively8 respond to the challenges and risks under the "new normal".

  The growth of banks' loan decreased to 13.5 percent last year, 6.5 percent lower than the average growth speed in the past five years, and the stable growth will be the long-term trend for China's banking industry, he said.

  China's commercial banks' non-performing loan was 842.6 billion yuan ($137.46 billion) by 2014, and the ratio of commercial banks rose to 1.25 percent by the end of 2014, 0.25 percentage points higher than the beginning of the year, according to an earlier Xinhua report.

  Chinese banks "must accelerate their transformation9 and upgrading by restructuring their asset and profit structure and regional layout of branches," said Yang Kaisheng, former president of the Industrial and Commercial Bank of China (ICBC) on Tuesday.

  China's central bank announced a benchmark rate cut by 25 basis points on Saturday, lowering the one-year benchmark lending and savings rate to 5.35 and 2.5 percent respectively.

  The bank at the same time increased interest rate flexibility10 by raising the ceiling for the floating savings rate to 1.3 times the benchmark rate, up from 1.2 times.

1 overhaul  

 

v./n.大修,仔细检查

参考例句:

  • Master Worker Wang is responsible for the overhaul of this grinder.王师傅主修这台磨床。
  • It is generally appreciated that the rail network needs a complete overhaul.众所周知,铁路系统需要大检修。

2 margin  

 

n.页边空白;差额;余地,余裕;边,边缘

参考例句:

  • We allowed a margin of 20 minutes in catching the train.我们有20分钟的余地赶火车。
  • The village is situated at the margin of a forest.村子位于森林的边缘。

3 banking  

 

n.行业,银行学,金融业

参考例句:

  • John is launching his son on a career in banking.约翰打算让儿子在银行界谋一个新职位。
  • He possesses an extensive knowledge of banking.他具有广博的银行业务知识。

4 lucrative  

 

adj.赚钱的,可获利的

参考例句:

  • He decided to turn his hobby into a lucrative sideline.他决定把自己的爱好变成赚钱的副业。
  • It was not a lucrative profession.那是一个没有多少油水的职业。

5 savings  

 

n.存款,储蓄

参考例句:

  • I can't afford the vacation,for it would eat up my savings.我度不起假,那样会把我的积蓄用光的。
  • By this time he had used up all his savings.到这时,他的存款已全部用完。

6 earnings  

 

n.工资收人;利润,利益,所得

参考例句:

  • That old man lives on the earnings of his daughter.那个老人靠他女儿的收入维持生活
  • Last year there was a 20% decrease in his earnings.去年他的收入减少了20%

7 analyze  

 

vt.分析解析 (=analyse)

参考例句:

  • We should analyze the cause and effect of this event.我们应该分析这场事变的因果。
  • The teacher tried to analyze the cause of our failure.老师设法分析我们失败的原因。

8 actively  

 

adv.积极地,勤奋地

参考例句:

  • During this period all the students were actively participating.在这节课中所有的学生都积极参加。
  • We are actively intervening to settle a quarrel.我们正在积极调解争执。

9 transformation  

 

n.变化;改造;转变

参考例句:

  • Going to college brought about a dramatic transformation in her outlook.上大学使她的观念发生了巨大的变化。
  • He was struggling to make the transformation from single man to responsible husband.他正在努力使自己由单身汉变为可靠的丈夫。

10 flexibility  

 

n.柔韧性,弹性,(光的)折射性,灵活性

参考例句:

  • Her great strength lies in her flexibility.她的优势在于她灵活变通。
  • The flexibility of a man's muscles will lessen as he becomes old.人老了肌肉的柔韧性将降低。
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