On The Income Structure Of Commercial Banks In China

In recent years,along with the gradual realization of interest rate marketization in China and the deepening of financial degasification,the market share of bank loans has been squeezed by direct financing and innovative financial instruments,and the traditional credit spread business is facing severe challenges.From the point of view of optimizing the income structure,"Reducing the proportion of interest on loans in total income" seems to be the perfect choice for most banks.The securities assets represented by bonds and funds have the characteristics of small risk,high liquidity and convenient investment,and have become the key allocation assets of domestic banks under the transformation of the current income structure,and the scale of investment has continued to rise.Foreign commercial banks mostly by participating in market investment to obtain income outside the deposit and loan business,but whether this kind of profit model dominated by investment behavior is in line with the current development of China's economic situation,whether the bank as a financial services institution should focus on the areas,these have yet to be further discussed.Therefore,under the current background,the subject of the change of interest income structure in the banking industry deserves in-depth discussion.This paper first selects 25 listed banks in China as a sample to summarize the overall income structure transformation trend of our banking industry in the 2013-2017.Then the Ningbo bank,which has a significant decrease in interest income from loans,is compared with other banks,and analyzes the annual report data during its research period in detail,which mainly solves the following problems: First,what kind of profit model transformation is being experienced by domestic commercial banks,and what are the advantages and disadvantages of this transformation for banks themselves and the economy as a whole;Second,the reason why the proportion of bank interest income to total income continues to decline;third,what are the characteristics of the assets and income structure of different types of banks in China? Four is how to find a new profit model for the future banking industry under the premise of realizing the common development of itself and the whole economy.Finally,it is concluded that the bank has the problem of over-investment in securities assets in recent years,the lack of attention to credit business leads to the continuous decline of interest income,the overall income structure of banks presents a transformation trend,contrary to the policy guidance,"increase the strength of the financial delivery of the entity enterprises." Combining with the important role played by small and medium-sized enterprises in China's economic operation,as well as the support of macro policies to the real economy,the banking industry should re-examine its position as a financial intermediary,shoulder the social mission of "serving entities and supporting small and micro",and strengthen the main position of loan business.At the end of this paper,some suggestions for the subsequent transformation of the income structure of banks are put forward: the future development direction of bank assets still has to return to the credit business,to achieve the recovery of credit income share.In particular,as a city firm,in the credit business is at a disadvantage,we should make use of their comparative advantages,focus on serving local small and medium-sized enterprises,enhance the competitiveness of loan services.The policy aspect is to speed up the bank's high-leverage off-the-table investment business,improve the restrictions on bank funds to be false,and second,we should put in place corresponding policies to improve the current financing difficulties of small and micro enterprises,and improve the enthusiasm of banking service entities.To encourage banks to increase their investment in credit business,promote the return of bank interest income structure,guide bank funds to the real economy reasonably,and help small and micro enterprises to develop and grow.