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利率市场化改革自1996年启动以来一直在或快或慢地向前推进,当前正处于市场化改革的攻坚时期。这场改革对中国银行业产生的影响是深刻的,其中对中国银行业经营模式的影响是不可避免的。那么,如何创造新的盈利模式?如何防控风险?请看本栏目文章《利率市场化改革与中国银行业经营模式的选择》;另外,由于各家银行也在纷纷拓展新的盈利增长点,这其中就包括大力发展理财业务以提高非息收入比重,于是,有了所谓的非标业务的发展,如何看待这其中和利率市场化的关系,请看本栏目文章《利率市场化与中国银行业非标业务的发展》
The marketization of interest rate reform has been moving faster or slower since its launch in 1996 and is now in a crucial period of market-oriented reform. The impact of this reform on China’s banking industry is profound. The impact on the banking model in China is inevitable. So, how to create a new profit model? How to prevent and control risks? See this column article “market-oriented interest rate reform and the choice of China’s banking business model”; In addition, as banks are also expanding new profit growth point, This includes the development of wealth management services to increase the proportion of non-interest income. Therefore, with the development of the so-called non-standard business and how to view the relationship between the interest rate liberalization and the market-oriented economy, see the section entitled “Interest Rate Marketization and Bank of China Non-standard business development ”