银行须改变盈利模式，转变“管理者”身份
<p><span word="Commercial">Commercial</span> <span word="banks">banks</span> <span word="must">must</span> <span word="overhaul">overhaul</span> <span word="their">their</span> <span word="profit">profit</span> <span word="models">models</span> <span word="from">from</span> <span word="traditional">traditional</span> <span word="ones">ones</span> <span word="to">to</span> <span word="address">address</span> <span word="the">the</span> <span word="narrowing">narrowing</span> <span word="interest">interest</span> <span word="margin">margin</span>, <span word="urged">urged</span> <span word="Shang">Shang</span> <span word="Fulin">Fulin</span>, <span word="chairman">chairman</span> <span word="of">of</span> <span word="China">China</span> <span word="Banking">Banking</span> <span word="Regulatory">Regulatory</span> <span word="Commission">Commission</span>.</p><p>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。</p><p><span word="The">The</span> <span word="model">model</span> <span word="relying">relying</span> <span word="on">on</span> <span word="the">the</span> <span word="lucrative">lucrative</span> <span word="gap">gap</span> <span word="between">between</span> <span word="lending">lending</span> <span word="and">and</span> <span word="savings">savings</span> <span word="rate">rate</span> <span word="is">is</span> <span word="no">no</span> <span word="longer">longer</span> <span word="sustainable">sustainable</span>, <span word="as">as</span> <span word="the">the</span> <span word="proportion">proportion</span> <span word="of">of</span> <span word="interest">interest</span> <span word="income">income</span> <span word="has">has</span> <span word="declined">declined</span>, <span word="Shang">Shang</span> <span word="said">said</span> <span word="in">in</span> <span word="an">an</span> <span word="article">article</span> <span word="in">in</span> <span word="China">China</span> <span word="Banking">Banking</span> <span word="magazine">magazine</span> <span word="on">on</span> <span word="Tuesday">Tuesday</span>.</p><p>3月3日，尚福林在《中国银行业》杂志上撰文指出，由于利息收入在银行营业净收入中所占比率的下降，依靠存贷利差的盈利模式已不再适用。</p><p><span word="Interest">Interest</span> <span word="income">income</span> <span word="accounted">accounted</span> <span word="for">for</span> <span word="only">only</span> 48 <span word="percent">percent</span> <span word="of">of</span> <span word="the">the</span> <span word="total">total</span> <span word="earnings">earnings</span> <span word="among">among</span> <span word="Chinese">Chinese</span> <span word="commercial">commercial</span> <span word="banks">banks</span> <span word="in">in</span> 2017, <span word="down">down</span> 7.3 <span word="percentage">percentage</span> <span word="points">points</span> <span word="from">from</span> <span word="three">three</span> <span word="years">years</span> <span word="ago">ago</span>, <span word="he">he</span> <span word="added">added</span>.</p><p>他提到，2017年中国商业银行存贷款利息净收入仅占营业净收入的48%，比3年前下降了7.3个百分点。</p><p><span word="Shang">Shang</span> <span word="said">said</span> <span word="China">China</span>'<span word="s">s</span> <span word="banking">banking</span> <span word="industry">industry</span> <span word="should">should</span> <span word="seek">seek</span> <span word="profits">profits</span> <span word="from">from</span> <span word="risk">risk</span> <span word="management">management</span> <span word="and">and</span> <span word="the">the</span> <span word="pricing">pricing</span> <span word="of">of</span> <span word="financial">financial</span> <span word="products">products</span>, <span word="while">while</span> <span word="lowering">lowering</span> <span word="operation">operation</span> <span word="costs">costs</span>.</p><p>他同时指出，中国银行业应当研究向风险管理要效益，向金融产品定价要效益，同时降低运营成本。</p><p><span word="Market">Market</span> <span word="participants">participants</span> <span word="should">should</span> <span word="more">more</span> <span word="carefully">carefully</span> <span word="analyze">analyze</span> <span word="the">the</span> "<span word="new">new</span> <span word="normal">normal</span>" <span word="within">within</span> <span word="the">the</span> <span word="banking">banking</span> <span word="industry">industry</span>, <span word="and">and</span> <span word="actively">actively</span> <span word="respond">respond</span> <span word="to">to</span> <span word="the">the</span> <span word="challenges">challenges</span> <span word="and">and</span> <span word="risks">risks</span> <span word="under">under</span> <span word="the">the</span> "<span word="new">new</span> <span word="normal">normal</span>".</p>
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