利率市场化的竞争压力必将迫使商业银行实施多元化经营战略,提高非利差收入占比利率市场化是国家金融改革的重要决策,也是处于改革中心的各家商业银行所必须应对的重大变化。利率市场化的过程,实质上是培育金融市场由低水平向 The pressure of market-oriented interest rate competition will inevitably force commercial banks to implement diversified business strategies to increase the proportion of non-differential income Market-oriented interest rate liberalization is an important decision of the state financial reform, but also at the center of reform, all commercial banks must deal with major changes . The process of marketization of interest rates is essentially to cultivate the financial market from a low level to