大纲我国商业银行盈利模式分析及国外借鉴

我国商业银行模式分析及国外借（写作提纲2015、3、中我国商业银行一直是利差主导型传统模式,在金融的催化和全球经济格局的变动的背景下,我世界瞩目的高利润,就算是在全球经济仍受金融影响的时期,其利润率依旧居高不下,但是我国的发展却不像银行业利润率那么完善,建化。所以,商业银行的是势在必行。未来几年内,型商业银行若不并购的。与发达国家先进银行模式经验相比,国内商业银行盈利模式的虽处于萌芽阶段,但也开始本文首先从国内外对商业银行模式理论与实践研究的基础上,对我国商业银行的模式从内外进银行模式的成功经验,选取了德意志银行三家商业银行模式的成功案例为标杆。结合上述对商业银行模式的理论分析和实证鉴国际上发达国家先进银行的案例,从经营战理,优化结构,在有效控制风险的前提下提高创新【】商业银行模式中国国外借TheCommercialBankofourcountryhasbeenthedominanttypeofspreadtraditionalprofitmodel,thefinancialcrisisinthecatalyticandglobaleconomicpatternchangeunderthebackgroundof'sbankingindustry,andthereforeaffected.'sbankingindustryhashighprofithasbeenattractingtheattentionoftheworld,eveninadownturnintheglobaleconomyisstillaffectedbythenegativeimpactofthefinancialcrisis,theprofitrateisstillhigh,butthedevelopmentof'sfinancialmarketisnotsoperfectbankingprofitrate,setupinmanyonthequestionofwhethercanpersistenceisawindfallitisworthpondering.Moreover,intheeconomicdowncycleofglobal,industryriskresponseabilityofourcountry'sbankingnegative,willweakentheprofitlevel,increasingpolarization.So,thetransformationofcommercialbanksistobeimperative.Thenextfewyears,largecommercialbanksthroughmergersandacquisitionstoexpandthepossiblealsoforrange,smallandmediumcommercialbanksifnottransformationisdifficulttoavoidthecrisisofM&A.Comparedwiththeprofitpatternofadvancedbanksindevelopedcountriesintransitionexperience,profitmodeltransformationofdomesticcommercialbanksisinitsinfancy,butalsobegantorealizethenecessityoftransition.Thesepapersfirstfromthedomesticandforeignstudyonthetheoryandpracticeofcommercialbanksonthebasisofthemodel,toourcountrycommercialbankprofitmodelfromtwoaspectsofinternalandexternalfactorsareyzed.Secondly,thesuccessfulexperienceforreferenceofforeignadvancedbankprofitmodeltransformation,andselectthesuccessfulcasesofDeutscheBankofthreecommercialbanksprofitmodeltransformationforthebenWiththeysisofcommercialbankprfit deloftheoreticalysisandempiricalrsults,su duptheproblemsandadvantagesofthecommercialbanksintheworld,referencetransitioncasesadvancedinternationalbanksindevelopedcountries,andputsforwardthefeasiblecountermeasuresfromthemanagementstrategy,riskmanagement,capitalmanagement,innovationabilityandorganizationstructure,toensuretheeffectivenessofimplementation,thespecificmeasures,re-examineanddevelopbusinesstransformationstrategy,strengthenriskmanagement,optimizeprofits,improvetheabilityofinnovationinthepremiseofeffectivecontrol