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Commercial banks must overhaul their profit models from traditional ones to address the narrowing interest margin, urged Shang Fulin, chairman of China Banking 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 lucrative gap between lending and savings rate is no longer sustainable, as the proportion of interest income has declined, Shang said in an article in China Banking magazine on Tuesday. 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。 Interest income accounted for only 48 percent of the total earnings among Chinese commercial banks in 2017, down 7.3 percentage points from three years ago, he added. 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。 Shang said China's banking industry should seek profits from risk management and the pricing of financial products, while lowering operation costs. 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。 Market participants should more carefully analyze the "new normal" within the banking industry, and actively respond to the challenges and risks under the "new normal". | 
